vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me remove these illegal accounts from my credit reports. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I paid off the entire amount and on my consumer report it is still showing that I owe Merchants Credit Guide in the amount of {$700.00} dollars.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
Flagstar mortgage has my XX/XX/2023 payment listed on my credit report is 30 to 59 days late. Ive contacted them multiple times Ive sent them multiple factors I filled out their credit dispute form. I have a copy of the letter showing that I was approved for the HAF housing assistance program through the government. The government even gave them payments Yet they still reported negatively to my credit. This government program has a stipulation in there that mortgage companies can not report negatively to the credit if a person is approved for this program because sometimes HAF takes a while to actually distribute the payment. They did get the payment, but they reported to my credit and they are refusing to remove that late payment off of there. It says the servicer must waive all late charges, fees and penalties and may not report it to the credit report. Im not working right now and theyre negative report lowered my credit score which is causing credit companies to reduce my credit limit its messed up.

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 2023-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN

Complaint narrative:
I have disputed this alleged debt with Account XXXX XXXX I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Credit Inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Cards are declined everywhere ( e.g. online, brick and mortar stores, etc. ) despite Amex reporting a balance of {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently made a payment on XX/XX/XXXX. Prior to that I made XXXX payments. XXXX in XXXX and had a problem with insufficient funds. Second payment I got the account number wrong so it bounced back. I agree to these payments. Lastly I was told by capital one I made a payment from a XXXX account which is not mines. I let them know this is a fraudulent payment. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last 3 months. I am trying to get myself back together now and made a payment only for my account to be closed. I need access to credit all of this has destroyed my life. I need assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: NY

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-30 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: NY

Complaint narrative:
I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. 

The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within XXXX days of receiving the necessary documentation from the consumer. 

Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX v. XXXX XXXX XXXX XXXX This block must be implemented within XXXX days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX 
If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. 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 2023-12-30 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-30 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
i asked why doesnt the gift card work anywhere and they just said its for my safety but i cant use it anywhere so whats the point of having it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
There is an inquiry on my Trans Union credit report from XXXX XXXX on XX/XX/2023 that was not made by me. I contacted XXXX XXXX at the address on the credit report and asked why they had accessed my credit. They asked for a copy of the credit report showing the inquiry which I provided them. I was informed they would investigate the matter and respond in writing. Attached is their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase bank closed my banking account abruptly without stating why, which as they said they can do that. On XXXX Chase closed my account during that process my payroll check was just deposited and bills needed to be paid. Since the time of closure, I have been contacting every other week. For the pass XXXX months they keep telling me the fraud department is still investigating my account and they would contact me soon. They sent me a summary of my account balance and deposit. But nothing stating they will send me a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was promised a job and training with the company XXXX XXXX XXXX. They said they would need to get me started with computers and programs and applications that cost money. They sent me a check of {$9600.00} and they said the only way to get the supplies was to deposit the check into my account. Which I did at an ATM connected to XXXX called XXXX in XXXX installments because the amounts were so high. They are Sequence XXXX XXXX XXXX XXXX XXXX for {$5000.00} ; Sequence XXXX XXXX XXXX XXXX XXXX for {$2000.00} ; and Sequence XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I sent the money thinking I was going to get computers, apps, and programs for my new job because Wells Fargo said I had deposit availability of {$2500.00} available immediately, while the rest of the money {$7100.00} was available XXXX. So, I thought everything went through. I then got a warning on my card that said I was overdrafted and that the check noted as : XXXX counterfeit check XXXX XXXX w/o XX/XX/XXXX SVC XXXX XXXX XXXX was posted to my account. Wells Fargo did not warn me until it was too late and I already deposited and used the funds. I thought I had the money in my account because they said I did at the time. There are XXXX claims I have with them : XXXX XXXXXXXX for the high dollar amount and the other one is a {$500.00} claim with XXXX at XXXX XXXXXXXX. I called up Wells Fargo and let them know everything, even the check number. I just received XXXX new checks in the mail from the same distributor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX with amounts of {$4900.00} check XXXX XXXXXXXX and {$4800.00} check XXXX XXXXXXXX. Please help! My accounts are overdrawn and I lost my checking and savings over this.

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 2023-12-30 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Please see attached document. 

I am opting out of Credit Reporting with Ally Financial.

Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.

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 2023-12-30 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: IN

Complaint narrative:
Received a prepaid Amex gift card from my job. I have tried to use the card at numerous locations in store and online, card keep declining. I check the balance on the card and it says active and the entire balance is on the card. I am unable to use it. I called the Amex phone number XXXX and all it give you a generalized response as to why transactions are declined, but offer no resolution except that we should try with another merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
On XX/XX/23 I contacted Mercedes Benz financial and spoke with a Level 3 representative and requested a payment extension for my XXXX payment which was due on XX/XX/23. On that day I paid {$160.00} to cover the extension fee required to process the extension and gave the representative all information requested from me. When the call ended, I received a receipt for my payment and was told by the representative that my extension was processed. I logged into my account on XX/XX/23 to find out that my extension was never processed. I called customer service again and spoke with a new representative who told me that my extension was never processed by the first representative. She said that I needed to sign a form, and I advised her that no form was sent to me to complete regarding the extension and I was not informed that a form was needed. She initiated the process to have the form resent to me on XX/XX/23. I received the necessary form on XX/XX/23 completed it and returned it the same day. I completed everything required of me by the first representative to process my extension, but due to his lack of follow-through, my XXXX payment was reported 30 days late to the credit bureau in XXXX. I do not feel that I should be penalized because he did not do his job. I am requesting that my credit report be corrected and the late payment be removed from all three bureaus. I have contacted Mercedes Benz as well through their complaint process and this was not resolved.

Company response to consumer: Closed with explanation