vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
The options provided did NOT pertain to my situation. So I selected the closest one option! 

So I have several Blue Bird American Express Prepaid cards that I use individually for different expenses. 

So my one card had {$380.00}. On XX/XX/2022 I used it to purchase on XXXX for the amount of {$34.00}. The order went through with no issues. So fast forward I go to make a purchase at XXXX and my card is declined. 

Before I explain further XXXX XXXX XXXX  so my phone has XXXX XXXX XXXX  that comes up in calls so I read what is being said! 

So I call BlueBird at the number listed on the back of card. I enter card number and it tells me my account is permanently suspended. I speak with a representative who then transferred me to a male representative. He hung up on me. So I call back and get a different representative I explain to her and she puts me on hold for 10 minutes. She comes back and says my card has been permanently suspended due to fraud. So I then ask her what about my balance on my card and others. She just hangs up on me. 

So in the meantime there is approx XXXX XXXX in limbo and I cant get an answer Apparently all my other BlueBird Cards have also been permanently suspended and I cant log in to those accounts either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received an alert from XXXX XXXX- a debt was filed against me on XXXX from a company called Transworld System IncXXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to XXXX- This collection agency did not provide an account number or a service address. I filed a dispute with XXXX and they did a XXXX XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  ERC collection agent I requested documentation from ERC about an Account that they are reporting on my credit report, this is my second time requesting information. ERC send me a copy of some agreement with a signature that does not belong to me. I dispute this with the credit bureaus and the claim it was verified. However, this account doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2022 I made a {$320.00} all cash deposit at their ATM. This took place at TD Bank XXXX XXXX XXXX in XXXX XXXX  My checking account shows they put a deposit hold on {$200.00} of my money. The receipt I received that day says " forced deposit ''. The ATM machine did not give me the usual option of asking what, cash or check or both, and how much I was depositing. It knows I deposited {$320.00} because it counted it and the receipt shows that. 
The bank has no reason to do this to someone who has deposited much larger amounts of cash in the past with no problem and has been a loyal customer for several years. 
The ATM obviously has a defect and I'm paying the price. I want my money and this whole situation cleared up. I also want them to pay any fees incurred to my account for going below the monthly minimum of {$100.00} if that happens because of their machine 's mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act CRA, Equifax Information Services has violated my rights by reporting fraudulent inquiries after my dispute process, and not providing documentary evidence validating ownership of transaction to me as the consumer. This is my second time explaining to Equifax and its referenced creditors that my personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized/fraudulent inquiries. Ive attached a police report pertaining to the incident. Please immediately remove all fraudulent inquiries I have listed below, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In accordance with the FCRA if the investigation results are verifiable I request the documentary evidence that lead to it being verified to be mailed to the address on file, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA
State: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
How many times do I need to tell you that this is not my account. It was been removed and now reinserted without even notifying me? This isn't fair. I felt I am being ignored and taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
i took a title loan again my XXXX XXXX XXXXXXXXback XX/XX/XXXX couple months into the loan i lost my job and wasnt able to pay on the due date. i contacted the costumer service number informed them they told me to pay by a certain date i believe 2 wks from past due. which my mom let me borrow and i paid. mean while they repossessed the car with out notice. then shipped the car from the tow to XXXX XXXX with no notice. when i found out my car was towed or repo, i called police to figure out if stolen or not. but once i found the lot they had my belongings in a bag and charged me {$300.00} to get which i did. i then called the XXXX lot where my car was, they didnt have records of my car being there and would contact me back. mean while there collections dept. was telling me to continue to make payments to them even tho no one could state where my car was. i refused to pay. later i get ahold of customer service ( who is very rude ) they told me the auction and sold my car. i was very upset, i inherited the car after my fathers passing. fast forward, i am requesting documents of the sell and see the total balance after deduction of the sell of my XXXX which was valued XXXX XXXX XXXX $ XXXX. they never sent or replied to my calls XXXX therefore i took my lose and was waiting for the 7 years to past. now when i disputed the total charges on what i owe with the credit agencies, it states i still owe the amount i originally borrowed which is impossible. i no longer want to communicate with the creditor they are rude. the 7 years should be up in XX/XX/XXXX. however, they are saying XXXX of XXXX which is incorrect as well. they are reporting false balances, if anything they owe me the difference of the sell of my car. when i took out the loan i had a XXXXXXXX XXXX, this was a predatorial loan. i still have the contract i signed if needed.

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 2022-09-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This isn't authorized. Please remove those inquiries on my 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 2022-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through XXXX on XX/XX/XXXX. Bridgecrest XXXX was the company who financed the vehicle. On XX/XX/XXXX I mailed by certified letter a Conditional Acceptance Letter along with the original contract to either was CEO ( XXXX XXXX ) or CFO ( XXXX XXXX ) of XXXX to XXXX XXXX XXXX XXXX XXXX, AZ XXXX requesting for validation of debt and under assumed name. I then mailed another certified letter along with a copy of 1099B which was received on XX/XX/XXXX by XXXX XXXX, I believe. Bridgecrest kept calling everyday and night for a payment that I still did not get a response of validation of debt from. I spoke with a Bridgecrest and they stated that they received the 1099B, but they do not accept 1099A as payment and still requested a payment since I was behind. I mailed to Bridgecrest CFO ( XXXX XXXX a Notice of Acceptance which was received XXXX that according to HJR 192 of XXXX that debt is prepaid since there is no real money circulating. Bridgecrest mailed back to me a copy of the agreement pointing that I owed the debt, but still validation. I get an email from Bridgecrest about repossession scheduled for XXXX XXXX if no payment was made. I mailed them back by certified letter entailing HJR 192 of XXXX and XXXX. On XX/XX/XXXX, XXXX XXXX repossessed my vehicle. Bridgecrest was asking for me pay the past due of XXXX that I told them I did not have. I asked Bridgecrest about HJR 192 OF XXXX, But a representative stated that the they do not abide by THE HJR 192 of XXXX. They mailed me back a statement saying that the car will be sold sometime after XXXX XXXX if no payment was made. I mailed on XXXX XXXX by certified letter to CFO of Bridgecrest an Affidavit of truth of violations of 15 USC 1662, 15 USC 1635, 15 USC 1605. Also included was an invoice of the violations occurred totaling {$45000.00} according to 15 USC 1692 ( a-e ) with 10 % tax along with the copy of the contract that Bridgecrest mailed me but I marked the violations on the contract. The letter was received XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-14 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: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXXXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX I am a natural person, I am a living human being, I have right under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation