vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE SEE ATTACHED COMPLAINT : EXPERIAN has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. Experian has used threats and violence against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or 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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have contacted the credit companies every month from XXXX to XXXX. XXXX  and the credit companies are not complying with their own policies in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted the credit companies every month from XXXX to XXXX. XXXX  and the credit companies are not complying with their own policies in a timely manner

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Upon checking my latest credit report with Upgrade inc. I notice there is a balance listed on my XXXX credit reports XXXX, XXXX, and XXXX in reference to this account. I paid this account in full XXXX of 2022. I have contacted this company in reference to this incident several times and mentioned there has to be an error/misapplied payment using your online payment service. Payment was never return to my financial institution. I have had problems with payment posting to this account with this company every since I opened the account a few months ago.Please assist me in resolving this issue. I have enclose bank document showing amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I have been a NetSpend customer for many years and was happy overall. On XXXX XXXX my account was hacked at an ATM with XXXX  XXXX XXXX. My card was in my presence and I was at home. I filed a dispute and had to wait 10 days for a refund to my account. When I inquire about what happened they would not go into details for security. 

I opened up a different account after the first incident because my card was block from the 1st fraudulent incident and I needed a card to access what ever funds that was left on the card the hackers could not steal. 

Again on XX/XX/XXXX another incident where the hackers stole {$580.00} from an ATM at at a XXXX from a new NetSpend account. NetSpend is allowing the SCAMMERS and thieves to steal or access my money, leaving me once again financially destitute. It is all over the news and social media pertaining to scams at XXXX stores in different parts of the country. 

The most appalling part is that NetSpend is the customer service. NetSpend spend asked for XXXX business days for the results of the dispute. Here it is 10 Business days and NetSpend can not get an update about my hard earn funds. Icalled and spoke with so many people, just to be told they are awaiting from a response from their dispute team. I asked to speak with a representative from their dispute team to be told they do not have access to transfer to the dispute department or a Escalation Manager. WOW! I NEVER HAVE HAD SO MUCH HORRIBLE SERVICE. 

I want NetSpend to refund my money back asap. This is the only update I obtained by NetSpend. 

XXXX XXXX Subject : Dispute Claim Follow-up Status Update Account Number XXXX Claim Date : Fri XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Claim Amount : {$580.00} Dear Valued Customer, I understand that you would like to know the status of your claim. 

I have reviewed your account and our records show that we received your request on Fri XXXX XXXX XXXX XXXX XXXX. Your next update regarding the status of the dispute will be available 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 2022-04-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX & XXXX Account # XXXX, have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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: FL

Complaint narrative:
I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open. 


please i have called the stores many times to report the fact since i was robbed i kept calling some stores they closed the card but do not delete the fraudulent accounts on my credit please delete these fraudulent songs that i selected here i am not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: FL

Complaint narrative:
I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open. 


please i have called the stores many times to report the fact since i was robbed i kept calling some stores they closed the card but do not delete the fraudulent accounts on my credit please delete these fraudulent songs that i selected here i am not

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 2022-04-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXccount # 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 explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE SEE ATTACHED COMPLAINT : XXXX has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. XXXX has used threats and XXXX against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or 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 non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE SEE ATTACHED COMPLAINT : XXXX has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. XXXX has used threats and XXXX against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I used my TD Bank credit card for online purchases and to buy gas. During one of those transactions someone shared or gave my card number to 3rd parties to make fraudulent purchases, manually keyed in from various locations in the US, and FL in the amount of {$2600.00}. A TD Bank employee alerted me to the scam purchases when I went in to check my balances. He then called CARD SERVICES on my behalf however he misrepresented many items I was not sure about and without my permission " filed an official dispute '' contesting charges that I made along with the charges I did not make to this card services department. When I was able to see my actual credit card statement, ( this bank teller could not show it to me ) I was able to file an accurate report of the actual fraud. That report was ignored in favor of the unauthorized " report '' that unbeknownst to me was sent in by the bank teller. Repeated efforts asking TD Bank to correct the card account has resulted in TD Bank saying a chip was used when I got gasoline, for that reason they are throwing out all the manually keyed in transactions that happened before and after I did not make. I've filed a police report and turned it into TD Bank. They are by law only allowed to charge {$50.00} for unauthorized use of a card, when the fraud is reported and they are trying to charge me {$2600.00} and I have paid at least {$100.00} interest on this amount so far. I have never had a problem with the XXXX XXXX account I have had for 30 years but went with TD Bank, because it was more human. Unfortunately, that means more human error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I am filing a formal report against HSBC Bank because HSBC Bank has performed a wrongful derogatory remark against my credit reporting file without ever giving me a billing statement. There is a long and quite intensive correspondence to go along with this. 

In the month of XX/XX/XXXX HSBC promised to remove this derogatory mark from my credit report. After having gone through our entire case in extensive detail they said that there was a submission to both XXXX and all the other credit reporting bureaus to remove this derogatory mark. HSBC stated that this would only take 30 days to occur. Now it is two months later, and the derogatory mark was never removed from my credit report. HSBC has agreed to remove this as they have also removed the late payment fees from my credit reporting balance. I am submitting this complaint to request that HSBC take the most speedy actions to remove this derogatory mark. As it has been over two months in request, I can no longer wait forever for no performance to push for this action to be taken in my favor.

If HSBC does not take action to remove this within the next 15 days or follow up with me within the next 15 days, I will be suing the company with a court summons. I was told and informed that yet again they will want to take up another 30 days to extend and prolong the process for an investigation. This is unacceptable and illegal. This lack of action that HSBC has not taken to perform on their promise has left me in both economic stagflation as well as stopped me from being approved for other economic benefits that would work for companies that I am in the ownership of. 

This is ridiculous and malignant. {$17.00} to keep an account open should never have cost me so much in economic grief. This one-act cost me XXXX points on my credit reports. There will be dramatic legal action taken if this is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Victim of Identity theft. See attachment exhibits

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I do have a fraudulent hard inquiries on my XXXX Credit Report. There are total two fraudulent hard inquiries on my credit report. I have been contacted to the company and they never help me, they told me to contact the Credit Bureau.Please help me to remove those hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I do have a fraudulent hard inquiries on my XXXX Credit Report. There are total two fraudulent hard inquiries on my credit report. I have been contacted to the company and they never help me, they told me to contact the Credit Bureau.Please help me to remove those hard 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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Old accounts reappearing

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 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: EQUIFAX, INC.
State: TX

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 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 XX/XX/2021 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 explanation
Consumer complaint received 2022-04-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX concerning inquiries on my credit report that are inaccurate. 
The inquiries were placed by companies that indicated that my social security number would be used as identification and not to access my credit report and not considered in the approval of my credit application for XXXX XXXX XXXX XXXX is my business XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX  - Card Service XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes Experian Business Cred XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes

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 2022-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK
State: LA

Complaint narrative:
The CFPB closed my last complaint and I requested all Documents I submitted, also I requested all Call the was held with me and etrade as it shows I did e everything they asked. I would like all the calls and documents reviewed in order for which each document goes with each call ... Can the Cfpb please review them and the Cfpb will see i did what was told. Plaese send me my Funds... Also check rhe comments on my last complaint. Please dont close this complaint when etrade response cause I would like my chance to respond also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Victim of Identity theft. See attachment exhibits

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: PA

Complaint narrative:
Second look Inc his trying to collect a debt for XXXX XXXX that was found to be false and insurance fraud by the claimant. I have made several calls and by mail to stop the harassment of Second look for a claim I do not owe or do that have any judgment. The Alleged account number for the second look is XXXX XXXX # XXXX XXXX Second Look phone number is XXXX. 

Please fine this company for misuse of phone Comunicaciones and fraudulent mail after being constructively told to stop harassing me of money I do not owe them. 

Thank You 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