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

Complaint narrative:
XX/XX/2022 I obtainted a XXXX XXXX Loan with XXXX credit which made a legal inquiry on my report, somehow, all these other inquiries were made which i did not apporve of, I have tried disputing these through the credit bureaus but not getting anywhere. 

- XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX, XXXX unsure why this is showing twice - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: OH

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during XXXX. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXXXXXX XXXX was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On last month I made a payment of XXXX to XXXX XXXX XXXX to renegotiate my contract and make my account active again, but they have failed to update the terms and credit 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 non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSG Collections, LLC
State: NY

Complaint narrative:
I received a notice that I purportedly owed a debt of XXXX dollars. After examining the info sent, the attached invoice showed only XXXX dollars. After a few days and consulting with the company that claims I owe the money, they claim I owe only XXXX dollars. The invoice sent by TSG Collections was for an entirely different individual with their address and name. So not only was there an incorrect amount on the claim letter, but it also had the statement of an entirely different, uninvolved person. 

I also needed to send an email a certified letter and still had to call them to be told they would give me a corrected amount. I am still waiting to receive that information despite them having my email information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, XXXX and Equifax to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and XXXX XXXX account number ending in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 1681s-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 calls to believe that the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional reporting on each credit report with XXXX, XXXX, and Experian. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my 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 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I discovered that I was scammed by someone impersonating a XXXX XXXX  XXXX. A woman that is working in conjunction with online scammers who lied served as the " agent '' here in the USA that helps customers like " me '' to send payment for a package in order for me to receive. The money transfers were via XXXX through my personal Bank account. After I realized that it was all a scam, I called and spoke to customer service representative on XX/XX/2XXXX XXXX XXXX  EST at XXXX in which they told me to report the the scam at XXXX : XXXX. I had to do two different reports because there were two transactions. I did and never heard back from anyone. I also called Chase Bank to report the fraud and they referred me to contact XXXX to report the scam. 

I sent several request to the person who received the money to return the money because I had found out that it was a scam however, the person never responded. images showing that the transactions went through and the person confirming that she received the money. I addition, I have emails where the woman states that she has " helped '' others in the past with the address of the places she go to make the deposits. The receipts shows the date, the name of the woman who is doing the dirty or serving as the middle person. Last, I have the person 's bank account, routing number that they wanted me to transfer the money to. 

I made to separate reports, one with the IC3 FBI and the other with the FTC. I've never heard back from anyone either. I would like to know if you can help me get my money because I am struggling financially.

It would be nice if I could talk to someone who can help get these scammers because I have information that can help get them such as emails and receipts showing the places where this " agent '' utilized several times to continue with her crime. Sadly, I did not get any response besides the confirmation that my reports and complains were received meanwhile, these people continue to take advantage of good people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have two American Express Business gift cards. One with a balance of {$450.00} and another with a balance of {$250.00}. I can successfully check these balances at the American Express website. However, anytime I try to actually use the cards anywhere, they just get declined. I called them to ask why, and they just said, " I can't use them online, '' even though the card says I can " use it anywhere ''. They even had me " register '' the card by adding my address to the card number, and they said now it should work, but it still doesnt. Most brick-and-mortar places also decline the cards. Now I have a ton of money stuck on these cards that I am unable to access, even though American Express itself tells me what the balance is on them. They are also set to expire in XX/XX/2024. So now I will most likely just lose that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I do not recall this visit to any medical facility... the bill was taken into collections ... I did have my identity stolen a while back, I need help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a checking account with Citizens Bank. It was closed in XX/XX/2023 and still have not received the balance of the funds that were on account. I called on XXXX to ask if the funds were being released. The rep told me that the account was closed at end of billing cycle XXXX and check issued for {$6000.00} should receive the check by XXXX. On XXXX, was told there was no moneyissued and account under review. Couldn't explain why was told check issued. As the months go by they have removed XXXX for a maintenance fee Have had 3 fees removed and pending a fee for XXXX. I have no access to the money and this is holding me up from moving. Just want the balance since account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
On XX/XX/2023, I mailed a Certified Debt Validation Letter to Consumer Adjustment Company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Consumer Adjustment Company 15 more days to validate debt. However, we are now passing the 15-day mark with no response from Consumer Adjustment Company . After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: 90 Day Credit Experts
State: OK

Complaint narrative:
I signed up with this company under the guise of {$150.00} per month would take care of all services, I was informed I would still need to get XXXX XXXX so they could pull my reports monthly. I explained to the representative that my income was set and I really could not afford it but they did not care.

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

Complaint narrative:
I submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony bank. Applied for card received unable to open card due to risk of invalid identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A Bankruptcy is showing on my report with Transunion. It is not supplied nor given by the court and is false reporting

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

Complaint narrative:
Under the Fair Credit Reporting Act 602, it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the consumer. 15 USC 1681b ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Experian, the consumer reporting agency, does not have my written consent to furnish my information in regards to the collections account with account number XXXX as well as the inquiries on my consumer report listed as XXXX XXXX Na dated XX/XX/2023, XXXX XXXX XXXX  dated XX/XX/2023, and XXXX XXXX XXXX dated XX/XX/2023. Any and all consent to Experian, whether it be verbal, non-verbal, implied, written, or by any other means is now revoked. In addition, 15 USC 1681 ( c ) ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This collection account along with the inquiries on my account are adverse items that are reporting without my permission which is against the law. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX  XXXX ( partial acct : XXXX ) - balance reporting as {$770.00}, paid closed- written off. 
I have no knowledge of this account. I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX XXXX XXXX  ( partial acct : XXXX ) - $ XXXX charged off I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 
also reporting twice as charge off, which has dropped my credit score significantly. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) written off {$430.00} I have no knowledge of this account, and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX  ( partial acct : XXXX ) - balance {$550.00} This account was paid off- I noticed that for XXXX  years they have been reporting it as a charge off! Please assist with the removal of this account from my credit report. 

XXXX ) XXXX XXXX XXXX ( XXXX ) - closed paid this account belonged to my father who has since passed away in XX/XX/2023. I was a authorized user on his account as I handled his finances. Please assist with the removal of this account. 

XXXX ) XXXX XXXX XXXX ( Equifax, XXXX ) - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from XXXX correctly, yet Equifax and XXXX have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I initiated a credit dispute with Acima XXXX XXXX creditor regarding an account on my credit report. Both accounts have a XXXX balance however, it is showing missed payments that are inaccurate. I reached out to the creditors to have the late payments rectified but unfortunately, my request was denied. The creditor has not taken the necessary steps to remove the late payments and provided a vague explanation to why the late payments can't be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: The Aligned Company DBA Extra
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX on XXXX XXXX, # XXXX XXXX  on XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  on XX/XX/2022 # XXXXXXXX XXXX XXXX XXXXXXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TN

Complaint narrative:
I have sent multiple letter to Transunion requesting the information needed as to why they are allowing the creditor ( XXXX XXXX XXXX XXXX ) to furnish two late payments that I have shown proof that the creditor is doing unlawful acts. Its not lawful to post a late payment without providing proof that the creditor sent the consumer ( ME ) a periodic statement along with the disclosures from section 1637 ( b ) 21 days before said due date.

I have attached a letter I have written out to express my frustrations using consumer law facts. My information and everything needed to pull up my credit report will be included in said letter. 

You guys are violating my rights!!!

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