vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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: AZ

Complaint narrative:
Equifax Following hard inquiries is shwoing on my equifax report. I have contacted the Equifax to let them know that I never approved of this inquiries and should be immediately removed. But there is no feedback or action from Equifax. As a result, i have to knock on CFPB door for swift action and justice. Will appreciate if EQUIFAX is been instructed to remove this unsolicited inquiries asap. The names of the merchants and dates of inquires are provided below. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX. XXXX. and transunion did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my business. 
These are the following accounts that were not removed. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX BANK Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2023-04-29 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: FL

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax. experian. and XXXX did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my XXXX. 
These are the following accounts that were not removed. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX XXXX  Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
American Honda Finance opened a fraudulent account in my name with my social security number without validating my address or calling me. Someone fraudulently purchased a motorcycle in the other side of the country, and despite furnishing a police report, American Honda Finance has done nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent copies of my credit report from Experian to Experian and on this website and I don't see how this error is still not corrected. I have 1 collection account named XXXX XXXX XXXX on my credit report and it is still not deleted off. Experian keeps verifying the information when it is inaccurate.. I have provided copies of my credit report showing they deleted the item off my credit report and then put it back on. This is by law ILLEGAL. I am asking you Experian one last time to remove this inaccurate account off my credit report before I sue Experian for violating the fair debt reporting practice act for not reporting accurate information on my credit file. Im going to provide you with the credit report again showing you removed the item off my report and then put it back on. Please remove immediately or I will take further action.

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 2023-04-29 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: EdFinancial Services
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX You are in Direct Violation of The Fair Credit Reporting EDFINANCIAL SERVICES L has violated several of my rights! 

15 U.S.C 1681 section 602 A. Clearly states that I have right to my privacy.

15 U.S.C 1681 section 608 A. Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: AZ

Complaint narrative:
Following hard inquiries I see on my Transunion credit report which was never acknowledged or given consent for. I sincerely request CFPB to instruct Transunion to remove them from my credit report asap. Please find the merchant names and date of the inquiries as per my FICO report shown below. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-29 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: CA

Complaint narrative:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

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 2023-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX shows incorrect reporting of a Bank Of America account on their reports which is frequently overlimit and delinquent. I don't own that account. I have raised dispute many times and every time they say their evaluation find that account belongs to me. I tried to reach BOA too many times and they say they don't see that account on my SSN. Please refer XXXX report XXXX for BOA account with $ XXXX.they are not sharing full account number to check with BOA and with full account number BOA is not able to help or locate the account. It's been going on since 2020 and I am following up and raising the concern but it's not addressed. It has caused lot of negative impact on my score and the impact is still on.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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 The Following Inquires are a violation of my consumer rights : 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 The following addresses are also in violation of my consumer rights : XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1979 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number XXXX XXXXXXXX

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for a Delta SkyMiles Gold American Express Card in XX/XX/XXXX with an introductory bonus offer of XXXX  miles after spending more than {$2000.00} within a six month period. The card was approved, the more than {$2000.00} within six months was spent, and I kept the card open. Fast-forward to now, XX/XX/XXXX, I have not been given these miles and was never informed that I would not be receiving these miles. I contacted American Express support and was informed that based on my " credit history, welcome bonuses, or the number of cards opened and closed, that I was not eligible ''. I was never informed that this bonus offer was denied, and the advertising was misleading/predatory. Further, I was charged the annual fee of {$99.00} in XX/XX/XXXX. I told them to downgrade the card to one without the annual fee, but they also informed me that they would only be refunding me a prorated amount of the annual fee, despite not making any purchases on this card since the annual fee was instated. I know for a fact that they have no records of me being informed of being denied this bonus offer of XXXX miles, because I was never informed. Furthermore, I kept the card open for the past year, spent thousands of dollars, paid off all balances, and was screwed over by American Express 's predatory/illegal advertising practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: MS

Complaint narrative:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.

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 2023-04-29 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: MS

Complaint narrative:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.

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 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I signed up for a Capital One Quick Silver Credit card, and got approved. The reason I chose this credit card was because I saw the advertised New cardmember bonus which would reward you {$200.00} if you spent {$500.00} in the first 3 months of owning this card. I signed up and turns out I didn't get the Newcard member bonus. So I called them and they explained that basically based on my credit score, I didn't receive the bonus. But nothing in the disclosures of this benefit says anything about not receiving the full benefits of the advertised {$200.00} Newcard member bonus. All it says and I fully read it, is that if you already have or have previously had a Captial one account you may not be eligible for this bonus. I never had a Capital one Credit card or account this is my first time. So they lied, made it up probably that it was cause of my credit score that I did not receive the bonus. I was unfairly denied the newcard member bonus. I should have received this benefit as it was advertised and I fell under the requirement which is being a new member. But I did not receive the bonus. I want to have the bonus that was clearly advertised as so, and also did not state that certain conditions apply in the advertisement. Just it saying new members get a {$200.00} bonus if they spend {$500.00} within the first 3 months of owning the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NJ

Complaint narrative:
I am a natural person ; I am a living human being.

I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and i DID NOT give Equifax written permission to furnish these accounts. 

ACCOUNTS Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : DEPT OF EDXXXX XXXX Account number : XXXX Account name : US DEPT OF EDXXXX XXXX Account number : XXXX Account name : unknown Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today XXXX I opened a flight cancellation claim for my Chase Sapphire Preferred credit card travel insurance benefit. XXXX requires cardholders to pursue a refund for expenses from the common carrier ( XXXX ). XXXX also requiers cardholders to state the amount pursued from the common carrier. However, the common carrier ( XXXX ) has not yet responded. So I am not sure why XXXX would state that the amount refunded by the common carrier ( XXXX ) is the amount I have requested from the common carrier ( XXXX ). This is misleading. I sent an email to XXXX asking for clarification. I also attempted to attach this information to my claim. However, when I attempt to attach this email to my claim I receive an error message each time. When I called the XXXX help line they told me that the system is in " maintenance ''. When I asked for an explanation on why the system would provide me with instructions to try again rather than a system maintenance error, the agent did not have an answer. When I asked the agent for an explanation on the refund amount she went completely silent. XXXX needs to fix these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: AZ

Complaint narrative:
Hello, Please find the hard inquiries that I have never provided consent for entered in my Experian Credit Report. I would like CFPB to instruct the EXPERIAN to remove them asap as they were entered without my consent and acknowledgment. Please find the name of merchants and date the inquiries were entered into experian. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-29 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: IL

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 XXXXXXXX The Following Inquires are a violation of my consumer rights : 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 The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1979 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number 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 non-monetary relief