vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate and false information on my consumer report, I have notified them over four times on how they have violated my Consumer rights Under the FAIR CREDIT REPORTING ACT. See 15 USC 1681 ( b ) Reasonable Procedures, Experian is reporting inaccurate and knowngly false information on my consumer report, by way of a reported late payment on an accepted account held at XXXX XXXX. They are also in violation of federal law 15 USC 1681 a ( 4 ) and have failed to insure their grave responsibility for furnishing information that violates my privacy and is neither impartial. 

XXXX XXXX inaccurately reported a late payment back in XXXX of XXXX on my consumer report which I contacted them to remove and update to the correct status and they agreed it was incorrect and should say paid on time, but it has been over XXXX days since I have been reaching out to Experian to fix this issue but they are ignoring me and failing to assist me in resolving this issue, which is hurting my ability to obtain goods and service under credit which is my right. 

I have already filed multiple complaints to consumer financial protection bureau the last in XX/XX/XXXX XXXX XXXX XXXX XXXX which claims they were responding yet never did and its been over 45 days which they need only 30 days to respond yet didnt.

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 2022-06-11 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: AZ

Complaint narrative:
XXXX is failing to report my payments. I contacted Experian who contacted XXXX and nothing was resolved.

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 2022-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
A loan was pulled out in my name, which I never applied for from a company named Kikoff Lending llc. I never applied for the loan and am a victim of identity theft. I have tried to contact the company with a request to remove it from my credit report and to send me a number where I can speak to a representative to assist me with this issue. I have been turned away from being given a number I can contact the company through. There isn't any direct contact from this company, which can only be assumed as a scam company which is not being regulated. The ftc has to do something about kikoff lending and remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I orders a new card with American Express and I verified that I would be given a new card number right away. Due to this I canceled my other XXXX. Then I tried to get my card number and they said unfortunately we can not help your card number and instead I must wait for it in the mail. Now I cant get groceries. They lied to me on a recorded call and it cause many issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Social Security Payments, Personal Injury Payments from XXXX not calculated correctly, Improper use of my Credit Report, Federal Investigator issues a Charge of Discrimination which has been Signed and under that practice employment agency violated HIPAA And State Medical Laws which violate as two Exhibits to Medical Malpractice. 
Banks should have been given notice of Superior Court and Supreme Court Trials and XXXX failed to Pay for Services Resulting in Office of Civil Rights Issues. The only person that was suppose to be in the classroom was XXXX XXXX XXXX XXXX XXXX otherwise Personal Health Information would be questioned, Classroom Behaviors by other people in the area that day were strange, they were strange everyday because not one person prepared the CFPB reports because they were sneaking off to Local Court Chamber Areas to Filibuster, and the campus was suppose to be closed in 1993. Everyone blamed the fire as a XXXX attack and this whole experience has been overwhelming. please Freeze Central Intelligence Agency and Federal Bureau of Investigation Banking since they have failed to follow CPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: PA

Complaint narrative:
In accordance with The Fair credit reporting act XXXX account # XXXX 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I put a freeze on my credit report in XX/XX/2017. I have tried several times to remove it. I get the run around. Yesterday I tried again. I did the automated questions and again at the end they came up and said to call a number. I called the number and the same guy seems to answer and every time he makes me do the questions again and then says I have to send in my drivers license and social security card by fax. My husband and I are trying to get a VA home refinance and have to have this opened. It is EQUIFAX in Georgia. My other 2 credit reporting agencys are unfrozen. It seems like they have something on my account and it jerks me around everytime I try to do this. Its been at least 4 times I have tried to remover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

1. XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 6. XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
Transunion and XXXX have deleted and removed the fraudulent accounts at this time.

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 2022-06-11 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
XXXX and XXXX have deleted and removed the fraudulent accounts at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I enrolled within a COVID-19 forbearance plan offered by my lender. The program was 18 months in total, which I was in monthly communications with both my lender and the 3rd party servicing company which serviced the forbearance plan. I followed all rules and regulations communicated to me via phone conversations and online instructions. Upon completion of the 18-month forbearance, I was instructed to make payments directly to the loss mitigation department, of which I have completed 4 transactions to date. All payments were applied and withdrawn from my corresponding checking account. 

I am still waiting for my paperwork, as I have only received payment confirmations via US mail. Per the guidelines set forth in the program, I should not receive any derogatory impact to my credit. Upon a monitoring alert and subsequent inquiry, I was indeed reported late ( 120+ days ) by my lender. I immediately informed the loss mitigation department upon discovery, where a dispute was then filed. I followed all verbal instructions given by the representative, who also had to make appropriate adjustments within my file to reflect the payment transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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:
In accordance with the Fair Credit Reporting Act. This 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 XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, 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 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 non-monetary relief
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2022-06-11 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. This 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 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 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 non-monetary relief
Consumer complaint received 2022-06-11 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:
In accordance with the Fair Credit Reporting Act. This 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 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 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 non-monetary relief
Consumer complaint received 2022-06-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This 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 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: FL

Complaint narrative:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-06-11 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2022 an aunathorized charge {$310.00} was done from XXXX. XXXX caught the charge informed me I told them to stop but the money was already withdrawn from my CHIME account via my debit card which is saved on my XXXX account. 

I informed CHIME of the unautorized transaction and they started an investigation. 

XXXX also did an investigation and they emailed me confirming it was indeed unauthorized. Since I started an investigation with my bank XXXX said they had nothing else to do CHIME would/should request their findings but I called XXXX and they informed me CHIME did not request any information at all from XXXX. 

Chime basically said because my card was in my possession and in the past year I have used XXXX for other transactions it was determined to be authorized. Unprofessional and lazy investigation from their part. 

I appealed them provided the communications with XXXX and they basically told me nope too bad sorry you dont agree. I asked CHIME to provide me with their " investigation '' documents and they havent provided me with anything. It is now XX/XX/2022 and I am still trying to get my money refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2022-06-11 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, and XXXX XXXX account  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation