vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
The debts associated to my social security number are not mine. I have never opened a credit card in my name before and have never been able to due to this debt. The debt is a result of identity theft. The original dates on the accounts opened were before I was of legal ago to open a card account in my name. These were all opened before I turned XXXX. I was born in XXXX and my age always matched the year. I was a minor on the dates the accounts were opened and did not open these myself. The only debts I owe are XXXX from XXXX XXXX and XXXX  which I have paid or am in the middle of paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX  times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. 

Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. One of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Ref complaint XXXX Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX  times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/year>. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. XXXX of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 None of the inquiries listed were authorized by me. I requested their removal in early XX/XX/XXXX2023 but have not received any updates regarding their removal.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have 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 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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 non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: FL

Complaint narrative:
Back in XXXX of last year I went on a Website called XXXX XXXXXXXX and found I had an unclaimed refund due in the amount of {$4400.00}. I never received the check and in XXXX of 2023, I called to inform them I had never received the check. They advised me to request a duplicate check. Soon after I was informed that the check was cashed. 

I was told to request a copy of the check through the Department of Financial Services public records request portal to verify it was not my signature which I did. It said on the check it was cashed The signature is not mine and when I called the bank that cashed it, US Bank in XXXX XXXX XXXX they asked for a copy of the check which I provided them. After some back and forth I get the following reply : Hello XXXX, At this point, we are unable to submit a claim regarding this issue due to insufficient information on the check image. Well need a copy of the check with the redacted information. My understanding is that youll need to file a public records request. Once we have the check image including the redacted information, well be able to research and submit a claim. 
Let me know if you have any questions. 
Thank You, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Email : XXXX Banks never want to take responsibility for their mistakes and I keep getting the run around. Bottom line is they cashed a State issued check to someone it didn't belong to.

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 2024-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Ref complaint XXXX Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. XXXX of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-15 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Can you check the documents? Some of these inquiries are inaccurate and I want it removed.

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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: DC

Complaint narrative:
As Linebarger Goggan Blair & Sampson, LLP ( LGBS ) and their client XXXX continue to ignore consumer 's complaint over the amount of the administrative fee piggybacked in the toll notices and avoid their responsibilities, I hereby demand LGBS and XXXX to provide the cost breakdown to justify the amount of this fee ( {$75.00} ). The cost breakdown should include details with descriptions, and be certified and endorsed by other relevant government agencies or authorities. In addition, I demand XXXX to explain the difference between the administrative cost for processing regular XXXX traveler and Non XXXX travelers, with the administrative necessity to charge extra fees in amounts that are 500 % of the tolls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate XXXX account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have checked my credit report and was able to confirm that there are accounts that are reporting inaccurately in 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I live in XXXX We want to make improvements to our house with a HELOC. M & T Bank doesn't offer any services for their customers in XXXX I am handcuffed because other banks I have spoken with do not offer services unless your first mortgage is with their bank. So my family can not make any renovations, save money, lower rates, increase our lifestyle because of M & T not offering us any services.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Can you check the document? Some of these accounts are inaccurate and I want it removed.

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