vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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:
In my filing of CFPB Complaint XXXX it was not asking Experian to validate the debt with the furnisher but in fact it was challenge for Experian to confirm current reporting of the account ( s ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations for Credit Reporting Agencies who use Metro 2 and Metro 4 formatting based on CDIA compliance and regulatory guidelines. 

Experian did not provide any of the items requested in the CHALLENGE and proves the reporting of the account below does not meet Federal and State Reporting Standards. The account that is being challenged is ; Account Name : XXXX XXXX XXXX  Account Number : XXXX As a Credit Reporting Agency ( CRA ) as stated by CDIA you are governed to follow compliance, law and data security regulations. 

This Account Challenge request is to confirm current reporting of the account ( s ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

The Fair Credit Reporting Act 15. U.S.C. $ 1681g states I have the right to demand that you disclose the following to me ; ( 1 ) All information in the consumer 's file at the time of the request, ( including all documents you have recorded or retained in my file at the time of this request ) ( 2 ) The sources of the information ; ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report If you can not provide me with requested information for the challenged account then based on FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) Treatment of Inaccurate, Incomplete or Unverifiable Information, you must promptly delete that item of information from my credit file.

If this account is found to be in direct violation of CDIA guidelines that Credit Reporting Agencies are governed to following being compliance, law and data security regulations based on Federal And State Laws and Reporting standard, please govern yourself accordingly and remove the account listed below promptly from my credit file. 

PLEASE PROVIDE PHYSICAL PROOF OF ACCOUNT VERIFICATION Please provide me with an updated credit report VIA MAIL within 30 Days of receiving this challenge request. 

In addition, please provide me proof that you contacted the ORIGINAL CREDITOR OF THIS ACCOUNT within 5 business days of receiving this challenged account request where you advised them to verify it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Help Financial, LLC
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repor
t containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
I have been getting Marketing from the company so i decided to apply with them. i recently got a letter from BHG Financial stating the reason for my denial was i was unable to verify applicants information. so i call the company as instructed in the attached documents. to try and rectify and they could not answer my questions. they are violating my consumer rights and equal credit opportunity act!. might i add i have great credit. so why are they denying me with no valid reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NJ

Complaint narrative:
I received an email from Netspend stating an account has been formed and that a " prepaid Mastercard " would be emailed to me within 7-10 business days. The email never specified whether it is a debit card or credit card. I contacted Netspend as soon as I saw the email and was asked for my name and social security number and then was transfered to the Fraud IT department where I was then told that it was just an advertisement and the representative proceeded with a scripted sales pitch. This process is extremely misleading and forced me to provide the company with sensitive information that they did not previously have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX, XXXX of American Express regarding an auto policy refund that was sent to American Express by XXXX from XXXX XXXX XXXX California XXXX XXXX XXXX ). My father passed away on XX/XX/XXXX so I called American Express and XXXX XXXX to close/cancel his account. When I canceled my late fathers auto insurance policy, hes supposed to receive a refund of {$500.00}. When I called XXXX XXXX, they stated that they sent the refund to American Express since my late XXXX uses his American Express credit card to pay his auto insurance. Per XXXX XXXX, the refund check was sent on XX/XX/XXXX reference number XXXX. 

Up to this time, I have not heard from American Express regarding my letter that was sent via certified mail and received on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: NY

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
this information filed has harmed me and is infringing upon my right to privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, Citibank closed my account back in XXXX of XXXX by stating security reason. When my account was closed, I had USD XXXX in the account. Bank only refunded XXXX via check. After multiple requests I received the letter saying that bank will issue 2nd check in amount of USD XXXX however the 2nd check never arrived. I called many times at the bank to obtain tracking number but they did not provided that. I would like tracking number for the check the bank is stating that they issue. On XX/XX/XXXX bank said that they issue check for XXXX but I did not receive anything yet. 

In addition to that bank never answered on how to get remaining fund of USD XXXX. That fund was deposited by my employer via direct deposit so I would like Citibank to send that money back to employer so my employer can reissue the check. I have talked to my employer multiple times as well but they are waiting on bank to release the fund back to employer ( XXXX ). My employer is not able to reiisue the direct deposite until bank releases the money. 

I tried calling bank more than 25 times but no resolution. 

This issue is going over 120 days without any explanation Citibank has been holding ( stealing ) my money. 
Please help

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 monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America opened an Allegiant Mastercard in my name without any authorization or notice on XX/XX/XXXX. I was then charged a {$59.00} annual fee for the card. No card was ever mailed to me or activated. In addition, there are no hard inquiries on my credit for this fraudulently opened card. I submitted a complaint to Bank of America 's fraud department via email on XX/XX/XXXX and no action was taken. I called Bank of America and the account was closed on XX/XX/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 2023-02-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance win the Fair credit reporting act. The List or accounts below mashes violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX / Account # XXXX Account name : XXXX XXXX XXXX / Account # XXXX Account name : XXXX XXXX XXXX XXXX / Account # XXXX Account name : XXXX XXXX / Account # XXXX All are a violation of my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: LEXISNEXIS
State: NC

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Consumer Number : XXXX Case Number : XXXX For LexisNexis/Consumer FinanceXXXX XXXX 
RE : Request to Block Unauthorized Collection Accounts, Incorrect Addresses, PII and Inquiries from Credit Report under FCRA 605B CONF # XXXX I n reviewing the updated report supplied by LexisNexis, there are still in accurate entries that the database is still reporting under my name : These include incorrect addresses, social security number, telephone number and email addresses. These fraudulent entries were established using my personal Identification without my authorization. The information listed below, which appears on my LexisNexis report, do not belong to me. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 

Identification Records : Record : XXXX and XXXX Social Security Number : XXXX Incorrect. Needs to be Removed Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX XXXX Incorrect. Needs to be Removed Address Characteristic Record : Record : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXX Incorrect. Needs to be Removed Inquiry Records : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Never Applied. Needs to be Blocked and Removed Immediately! 

Personal Information : Phone Number : XXXX Incorrect. Needs to be Removed Email Address : XXXX Incorrect. Needs to be Removed I have continuously been in contact via the CFPB. Investigations have been continuously, with no communication in regards to the removal and blockage of the disputed information. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: MS

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Alliant requested an updated copy of my insurance. I provided this to them via the method of their choosing and uploaded it online. It said the next day additional information was needed and a phone call was required with their third party service. I did that and was told that everything was fine and good to go. These events are documented. A few weeks later I get a letter in the mail stating that I do not have insurance on my car and that they have force placed insurance on me in the amount of {$4800.00} that will be added to my car payment. 
Aside for providing insurance in the method of their choosing. I additionally demanded an email address that I can send a copy of to. They provided XXXX and I sent a copy there as well. In addition to this I had my insurance broker XXXX XXXX reach out to help resolve this issue. Alliant will not correct this issue. They will not put in writing that my due diligence has been fulfilled. At no point in time in my entire life has any of my autos ever had a lapse of XXXX second in coverage. They will not return my multiple email requests for WRITTEN confirmation. Alliant is XXXX breaking the law with their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
Usbank and XXXX refuse to do anything after someone scammed my account. I disputed the claim and they denied me, but sure as heck they charged XXXX overdraft fees in the same day. They refuse to do anything to help me and Ive never filed a dispute in my XXXX years of banking with XXXX BANK. Do not use this bank. They will charge you fees up the XXXX and then refuse to help their customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX I just found this collection on my XXXX credit report. I called the XXXX XXXX XXXX XXXX billing numbers that were listed on the credit report. I gave them the details and they reported that I have no overdue/outstanding accounts. 

I called the Nationwide Recovery System line and talked to an agent and a XXXX. They provided information on this supposed collection. The birthdate was not mine and it listed a XXXX XXXX XXXX in XXXX XXXX that I have never seen nor have I ever visited the ER on XX/XX/XXXX. 
Their file number is XXXX XXXX. 

This is a false claim. 

XXXX XXXX XXXX

Company response to consumer: Untimely response