vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: MI

Complaint narrative:
Reached out to Equifax multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Equifax has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Equifax did not have permissible purpose to report anything to my consumers credit report. Equifax received information from someone other than myself. Thats aggravated identity theft! Equifax also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Equifax must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TX

Complaint narrative:
I have been going around in circles with eqifax with not being able to log into my account. Keep being told theres a problem with system and try in 24 hours well, that started 2 weeks ago. Call back, wait in hold, pass security checks to get the SAME CANNED RESPONSES. 

eqifax is reporting WRONG information, I can not dispute online, I can not log into eqifax and customer service does nothing. 

I need real action, eqifax is reporting scores much lower than the other two, and I cant fix it because I cant get past try to religious in 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Tried to use all my American Express cards today after 20 years never late great credit American Express agent stated for abusive language on XX/XX/XXXX first was said I was in collections I asked what was said he did not know and referred me to a toll free number left 4 messages no responses from American Expess No notice at all totally closed 8 of my American expesss cards Mind blowing since I did not use any abusive language and agent could not verify Out of the blue closed everything after 21-22 years Canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Paid a 6 year, 1 week and 6 day old account off in FULL for deletion per discussion with live representative. The representative lied to obtain payment and company wont assist with the scam nor is employee still there. Account was never deleted years later and is now past it pushing 7 year negative account deadline. I have disputed it multiple times for deletion off credit account- account is paid in full not settled for this reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: VA

Complaint narrative:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXXXXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX Inquiry 11. XXXX XXXX 12. XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX  XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : 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

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 2022-01-26 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: AR

Complaint narrative:
Company has not responded to invoice and has not delete inaccurate accounts off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
Someone stole my amended tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Good afternoon, I have a car loan with Bridgecrest that I have been paying off for the last 5 years. I'm currently at the end of that loan, and I have a new job. I've been requesting a " Due Date '', change of payment since XXXX. Every two weeks, I have to call and pay my bill along with the late fees, and request a new " Change of Payment Date ''. I have called several times to request a change of payment. The customer service doesn't seem knowledgeable, and the manager isn't reviewing the request. I feel like they are doing it on purpose to collect late fee 's and It's casing anxiety and sleepless nights!

Care note : {$220.00} Every two weeks plus card and late fees! 

I called their customer service department on XX/XX/2022 around XXXX pm and spoke with an agent and didn't get anywhere. I asked the agent if they were going to mail me the title after the car was paid off, and said he wasn't for sure if they had the title! 

That really got me upset, and I have lost faith in them. 

Bridgecrest website FAQ : I paid my vehicle off, when will my title be released?

Please call Bridgecrest Customer Service at XXXX for an update on your title release.https : //myaccount.bridgecrest.com/AdviceCenter. 

1. Can they submit and correct my due date change?

2. Once the car is paid off, will they mail me a paper copy of my title, like XXXX, customer service, and their website states? Will it have a tracking number?

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 2022-01-26 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: IL

Complaint narrative:
I filed for verification of bankruptcy from XXXX, TransUnion, and XXXX. Each bureau states XXXX. However, the XXXX XXXX  is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my 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 2022-01-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed for verification of bankruptcy from XXXX, XXXX, and Equifax. Each bureau states XXXX. However, the XXXX  XXXX is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX  XXXX. They ran my credit for XXXX XXXX XXXX, Ally Financial ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen 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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Recieved the response from the company and they lied about why I saw the price I did. Here is my original complaint. 

The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called Shiba Inu ( SHIB ) that I purchased XXXX dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at XXXX USD I SOLD XXXX SHIB  because I thought I was going to reciever XXXX cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made XXXX min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of SHIB, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions XXXX min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a CEX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of XXXX cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX i paid off all of Indigo credit card including all the fees i felt were being processed without any proper verification. 
Since i felt the Indigo company was abusing their position over me i made sure all debt was paid so i could close account. This amount was for {$420.00} on a {$300.00} limited card. 
When i paid over the phone I specifically asked them if this would get me out of collection and be shown on my credit report as being paid off and they informed me that it would. 
I recently checked credit score, noticed it was still low after literally paying off every medical bill, paycheck loans and delinquent accounts i could find this summer. 
Upon further investigation i saw that Indigo was the first company listed on my report as delinquent. 
I called the office today and they said i owed over XXXX more dollars due to fees that had accumulated since i closed the account. 
I told them that was incorrect and the man XXXX said it was from a XXXX  payment that didn't go through on XX/XX/XXXX. 
I told XXXX i wanted to speak to manager. After being put on hold he said he would waive all fees and that i could just pay the XXXX. 
This made me more frustrated because he was acting like i was getting a deal. They should be paying me for lying, stealing and messing up my financial portfolio. Another scammer ruining all my goals of buying a house anytime soon. 
There is no way that I didn't already pay for this transaction on XX/XX/XXXX. If I didn't have the funds on the XXXX they would have known that day, let alone two weeks later. 
Long story short ; Manager never got on the phone and XXXX said i i should take the deal. I informed him if they didn't drop all chargers i would contact FTC instead. 
Please help Thank you for your time and consideration I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: U.S. BANCORP
State: NV

Complaint narrative:
My authorized users credit card has fraud on the account, I contacted US bank to notify them of the card being stolen, when I spoke to the bank I received the run around from the bank in regards to these charges, I was bounced from agent to agent to agent, the agent who answered the phone seemed like he did not want to be there tonight, he was very rude, anything you asked him was as if it was a bother to him, I asked him to review the account and he seemed as if he was off in space, this is absolutely unacceptable to me, that we have had fraud on the account and US bank does not have the decency to care one single bit and to assist with getting these charges taken care of, I will not be treated as a number, this is highly unacceptable., It is unacceptable that the bank first of all did not catch these charges, it is now unacceptable that the bank can not get their act together and get the charges tagged correctly and them removed from my account, I was transferred over and over and over and over and over with no solution, I have no idea if the fraud claim was opened correctly or not, and I can not get answers, these charges need to be removed off my account immediately, These are FRAUD and not authorized by myself nor my additional card holder. Its extremely unacceptable being a victim of fraud and the bank not doing their job to fix it or correct it.

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 2022-01-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Paid a 6 year, 1 week and 6 day old account off in FULL for deletion per discussion with live representative. The representative lied to obtain payment and company wont assist with the scam nor is employee still there. Account was never deleted years later and is now past it pushing 7 year negative account deadline. I have disputed it multiple times for deletion off credit account- account is paid in full not settled for this reason.

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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back and going i am not sure of this some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i fool they are not doing job properly and it is effecting me great deal i used PayPal quite frequently My email linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the Kohls XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX  only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX. They ran my credit for JPMC Auto Financing, XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.

Company response to consumer: Closed with explanation