vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: SC

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 Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
During travels in the country of XXXX, a charge in the amount of XXXX was applied to my Chase credit card by a company listed as XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
It is a fraudulent transaction that I never authorized, approved or signed for. 
In addition, I have never done business with this particular merchant. 
Upon return to the country, I immediately disputed this charge on my statement to Chase on XX/XX/XXXX. 
I did not receive a response from Chase regarding this dispute until XX/XX/XXXX when they notified me, in written notice, that they were denying my claim. 
Upon subsequent phone calls to the fraud dept. of Chase, I provided proof of my location ( as requested ) on that date of XX/XX/XXXX and that I could not have made this purchase. 
All to no avail, as Chase has rejected this evidence that I have provided to the contrary and any attempt at a resolution in my favor. 
I have other documents and statements pertaining to this time period and dispute, available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I traded with XXXX XXXX and at that time I was a member of Huntington Bank, When my mom told me it was fraud, I had to have them refund the money only for them to tell my bank that they did their deal and it was unrefundable. I had my bank investigate it and they came and told me it was true that it is unrefundable. So they sent back the money to the XXXX XXXX. After a certain period of time, I stopped living in the off campus housing as my bank was on overdraft. And huntington locked me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/XXXX there was a charge to my BJs Mastercard issued through Comenity Bank for XXXX to XXXX XXXX  in XXXX WY. I did not make this charge. I called the fraud department and they said they would look into it. They also told me that the address that I had provided was incorrect. After some digging I realized that the address on the account had been changed the same month that the fraudulent charge was made. At this time I paid the account in full ( with the exception of the charge for XXXX ) and did not use it again. 

Comenity issued me a new card, changed the address back to my correct address, and on the XX/XX/XXXX statement credited me incorrectly for a charge of XXXX ( which I did make on XX/XX/XXXX ). I have tried to get them to correct their mistake but they are acting like they can't see the charge for XXXX. I have not used this account since I paid all of my charges off. I should have a XXXX balance but this fraudulent charge continues to gain interest and late charges and it is now over XXXX. 

I spoke with someone from account services and she told me she understood but that the fraud department had to fix this. She also told me that the accounts were going to be handled by another bank and once that transfer went through there was nothing that could be done about this bad charge. 

It is extremely difficult to reach someone from Comenity by phone. I've waited between 40-60 minutes on hold before I could talk to someone and their people do not seem to know what they are doing. I really need help, my credit score took a huge hit because of their negligence. I'm frustrated and I'm worried.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Last summer, I was looking for a rental in XXXX XXXX, NM as I was planning on moving there within the month to start a new job. My friend and I found a place that seemed reasonably priced and decided to apply. The landlord sent us application invites through TransUnion, which required us each to pay {$41.00} for a consumer report. There was a delay in doing this for me, since I was a XXXX XXXX XXXX XXXX XXXX XXXX. While I had presence in the US and a US bank account, they could not get a consumer report as easily as they could for an American with a credit card. 

I contacted TransUnion immediately in an attempt to resolve this. They instructed me over the phone to email them a copy of my passport ID page, and a bank statement proving I had a US bank account. They said they would charge me once they send the consumer report to the landlord. A couple of days after this, I get a notification through their portal that the landlord has declined my application since they found someone else. Not a problem, I continued looking and the report did not come in time anyways. However, they end up charging me for the consumer report a day later, meaning that even though the application was cancelled before the report was completed, they still ended up sending a useless report to a landlord who already chose a different tenant. 

I contacted them over the phone again, explaining the situation and asking for a refund. They claimed I would hear back from them or get the refund if they decide to give it to me. Evident by me writing this complaint, they never provided the refund. 

Below are .pdf documents outlining what happened chronologically, with relevant timestamps highlighted ( I added my last name to all of them for reference ). 

Invitation to Apply - XXXX Copy of an email I received, notifying me that the landlord is requesting a consumer report as part of the application. 

Email to TransUnion - XXXX  After a phone call, I email TransUnion as instructed ( passport photo and bank statement ). 

Lease Appl. Declined - XXXX Lease application is denied on the morning of XX/XX/XXXX. TransUnion is clearly aware of this since they sent the email, and the landlord did their part of noting the denial on the TransUnion online portal. 

XXXX XXXX Statement - XXXX Bank statement with a highlighted transaction noting that the report was processed on the XXXX, a day after the application had already been cancelled. If the application was closed, what was the purpose of going through with 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 non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have not wanted to establish an alliance or corporate relationship with another bank because according I have been informed, they do not offer relationships with businesses with the type of structure that I want as a professional services corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I have filed a dispute with the original creditor XXXXXXXX XXXX XXXX XXXX. They investigated my identity theft claim and responded to me by mail. XXXX And asked for you to remove your account from all 3 credit profiles XXXX XXXX and XXXX and stop attempting to collect any debt. Call them for verification of this statement. XXXX case # XXXX view attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to raise a concerning issue about my credit report. I have discovered fraudulent accounts and inquiries that have been included on my credit history without my permission. These entries have inflicted considerable harm to my credit score and financial standing. 

To address this issue, I have disputed these entries with the relevant creditors, companies, and lenders. They have confirmed that the entries were not authorized by me. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) to report this incident of identity theft and have attached a copy for your reference.

The existence of these fraudulent accounts and inquiries has had an adverse impact on my credit score, making it challenging for me to obtain credit and financial opportunities. This has caused significant distress and hardship for me and my family. 

I urge you to take swift action to remove these unauthorized and false entries from my credit report. Please prioritize the resolution of this matter, as the ongoing presence of these inaccuracies continues to harm me and 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 2023-02-18 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: GA

Complaint narrative:
My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I got an inquiry from an unknown company that showed up on my credit report. Also saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. 

Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
Speedway Credit Card. Someone, Hacked my Account and charged almost {$2000.00}. Speedway, Closed every thing down.Transaction, were on 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 monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Recently when trying to access my annual free credit report from TransUnion, I was locked from accessing my account online. After calling customer service I was able to log in and request my annual credit report, but upon receiving my credit report it was just one page and the whole report was suppressed. After calling and talking to numerous customer service agents I was told I will have to write a letter asking for my report to be unsuppressed along with proof of ID. So I wrote a letter and sent it along with two forms of ID.

Two weeks later I got the same credit report that was suppressed. 

Called again and was told my account was unlocked but when I go in to check online it still says I don't have a credit 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 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit System was not fair with collection notifications of this debt before sending to credit bureaus. 
This debt collection company didn't follow fair credit act by not : I nor the joint named person on this account : XXXX. Didn't receive enough information to verify this debt. 
XXXX. Notification didn't disclose it was an attempt to collect this debt. 
XXXX. Didn't receive notice of right to dispute. 
The amount of {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: PA

Complaint narrative:
I am writing to raise a concerning issue about my credit report. I have discovered fraudulent accounts and inquiries that have been included on my credit history without my permission. These entries have inflicted considerable harm to my credit score and financial standing. 

To address this issue, I have disputed these entries with the relevant creditors, companies, and lenders. They have confirmed that the entries were not authorized by me. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) to report this incident of identity theft and have attached a copy for your reference. 

The existence of these fraudulent accounts and inquiries has had an adverse impact on my credit score, making it challenging for me to obtain credit and financial opportunities. This has caused significant distress and hardship for me and my family. 

I urge you to take swift action to remove these unauthorized and false entries from my credit report. Please prioritize the resolution of this matter, as the ongoing presence of these inaccuracies continues to harm me and 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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: GA

Complaint narrative:
My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XX/XX/XXXX Placed a order for XXXX shoes on line from XXXX  but the transaction was suspicious after not being able to contact the seller and then the payment was made to XXXX to a XXXX XXXX not a business. 
XX/XX/XXXX Email from XXXX showing package shipped to my address XX/XX/XXXX XXXX XXXX with apple card support and advised. 
XX/XX/XXXX email from XXXX saying the package was delivered to XXXX XXXX. I went to the XXXX  XXXX post office and was given a signed copy of the shipping instructions that shows a different address than my address and the correct address the seller verified. I have given the Apple card associates this information many times and each time it keeps getting put back on dispute without the charge on my card until today. 
XX/XX/XXXX Requested a supervisor to have the charge taken off because I sent in documentation a package was sent to a different address. The Apple XXXX at XXXX XXXX said the charge was going back on my card even though I sent in the above showing the package was sent to another address and I had to pay it on the due date or be delinquent. I advised didn't seem right to pay for something I didn't receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Glennon Law Firm, LLC
State: TX

Complaint narrative:
Case filed in Ohio by Atty XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX for {$4500.00} plus costs the a certified letter sent to an address in Ohio. I'm not a resident of Ohio and never received any information of having been served. Default Judgement was made. I was informed by my employer regarding this matter XX/XX/XXXX. I was never properly served and never communicated as to this matter and could not have replied with Answer to the court in Ohio. Motion to show cause and contempt filed on garnish of wages against myself and my employer. Employer was sent documents to their old address ( 2yrs ). Motion to widthdraw was only granted to my employer. No resolution offered to myself.

Company response to consumer: Closed with explanation