vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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: IL

Complaint narrative:
In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report XXXX is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company XXXX days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting XXXX to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. XXXX has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If XXXX does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. XXXX XXXX file # 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form XXXX treasury omb from to audit consumer or my account. XXXX is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer 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 2023-10-10 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: IL

Complaint narrative:
In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report XXXX is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company XXXX days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting XXXX to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. XXXX has XXXX days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If XXXX does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. XXXX XXXX file # 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 North Carolina XXXX XXXX I will be filing form XXXX treasury omb from to audit consumer or my account. XXXX is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer 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 non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXXXXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. XXXX XXXX  ( Original Creditor : XXXX NAVY FEDERAL CREDIT UNION ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX, I paid {$2700.00} to one of my loans through Aidvantage. I had recieved a scholarship and wanted to get ahead on repayment. I made the mistake of allocating the funds to the wrong loan, a subsidized one instead of unsubsidized. There is no option to cancel the payment, redirect the payment, anything. Ive spent XXXX hours on hold so far. I just want to pay the right loan. Im still in college and I just want to be smart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am signed up with my Chase Freedom card for online statements only. I tried to sign in last night and again this morning to check and pay my bill, and they have a message on my account that I need to agree to both their updated Digital Serving Agreement ( this is 127 pages ) as well as their Online Mobile and E-sign Disclosure and Consent Agreement. ( This is another 10 pages ). I can not access my account until I agree to all of this.

First off, I do not have time to read through a total of 137 pages of legal jargon, nor should I have to in order to access my account. ( That I legally need to pay, on time and in full or I will incur late fees and interest charges ) Second, I am not a lawyer and have no legal back grounds and I am not certain exactly what some of this legal jargon means. 

I am not sure how it can even be legal for my credit card company to withhold access to my account and not allow access to pay my bill without reading all of this and then agreeing. This is extremely sketchy and slimy on the part of Chase and should be illegal if it is not already. 

I would like the government and lawmakers to please look into this practice that Chase is doing, trying to bully people into agreeing to something that most people probably dont have time to read and probably dont completely understand. ( Which seems like this is exactly what Chase is hoping for ) Very dirty on Chases part to try to pull something like this. 

Worth mentioning is that my charges on this card are normally rather small. Last month, I made a very large charge, the largest charge I have ever made on this card. It is certainly making me wonder if Chase thought I would not be able to pay this large charge off right away, and now would be the perfect time to try to bully me into agree to this. 

They would be incorrect if this is their thought process. I have the money and am trying to access my account to pay my balance off in full. I need to be able to access my account soon so I can pay my balance before it is late and then they will try to get more money from me for interest and late fees. 

While I remember this payment is due sometime in the second half of the month, I do not know the exact due date because I cant log into my account to find out. I NEED Chase to let me into my account by the end of this week ( XXXX  XX/XX/2023 ) at the latest so I can pay my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: TX

Complaint narrative:
My ex boyfriend used my id and driver 's license to open accounts after I left after he broke my hand off my wrist. Kikoff closed finally closed the account but refuses to remove it from my credit report claim they verified my identity with the social security number and driver 's license submitted. I asked how they could prove it was I was the one who submitted the information. No response. Probably because they can't prove it. They didn't verify anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-10 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: CO

Complaint narrative:
American Express Gift cards are useless, as they are scarcely acceptable to use for online purchase or for gas or at a restaurant.

I have three ( 3 ) separate Amex Gift Cards sealed and unused, that I just received from an employer. Each are purported to be valued at {$50.00} USD. 

Just minutes ago I opened and attempted to use for an online purchase. All three ( 3 ) cards were declined.

I attempted to register cards via https : //balance.amexgiftcard.com/ # / and all three ( 3 ) cards were declined.

I called the 1-888 number on the back of the Amex cards and discovered that one ( 1 ) card only contains TWENTY CENTS VALUE on a {$50.00} card. This card was never used. How is this possible? 

The other XXXX ( XXXX ) cards contain FIFTY DOLLARS VALUE each. However, I am unable to make any purchase online with these gift cards. 

XXXX XXXX : XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX XXXX. XXXX XXXX XXXX XX/XX/30 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on ALLY FINANCIAL. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. ALLY FINANCIAL 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 2023-10-10 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: U.S. BANCORP
State: NJ

Complaint narrative:
US Bank {$3500.00} Date reported : XX/XX/23 In accordance with the fair credit reporting act this creditor US Bank has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/2023 Cash App took XXXX out of my XXXX XXXX account. I was unaware of this. When I tried to ask for an explanation. Unanswered questions. I didn't not authorize. Cash App. To take this money out I received a text on the Day of XXXX XXXX at XXXX am saying the a dispute was made on XXXX XXXX of XXXX dollars. I was unaware of that no information was sent to me about the dispute.. The XXXX account which supposedly have put in the dispute was closed. Where did this money go Cash App has been doing a lot of things which I feel as well as others is not lawful. I am requesting my XXXX returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card was charged on XX/XX/2023, for {$870.00} in a home depot store. 
The card was in my possession at that time, and I was not at that store. Citi claims that since the card was used by chip, I am responsible for payment. I checked on public records, and saw that in year 2023, credit card chips can be counterfeit, so I should not be responsible for this unauthorized charge. 
Citi as well gave me the sales receipt with a unknown signature that's not from me, or anyone I know with items I never purchased.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
I have received more than one letter that my data set has been breached, most recently XX/XX/XXXX. I noticed on my credit report certain errors that keep coming back and inaccurate information. One error is XXXX is reoccurring delinquent bank account. I do not have any delinquent accounts, for over XXXX years. XXXX XXXX XXXX XXXX has not provided me with any notice of a debt. Largely in part because I did not have an open account with this company. Ref date of closure XX/XX/XXXX. 
I have asked for XXXX own investigation and review of that investigation and provide me with a copy, independent of the 'verifying company '. I Have Not Received Any Results. ( I have not received any documentation from the verifying company XXXX XXXX XXXX XXXX. ) All consent implied expressed written or otherwise has been revoked. NO ONE OR ENTITY HAS my consent to share documentation I have submitted REGARDLESS OF THE BUSINESS matter of course or any other reason. Because I have found that this information is not used for the purpose intended, I request to receive independent results without sharing the results to third parties, in accordance with the FCRA.

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