vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
This account was tone removed from my credit report once I paid in full - what the company has done after I disputed the account is place a XXXX balance but its still reflecting on my credit report as a negative mark - they are a scam and I have proof I paid too have XXXX XXXX XXXX remove this off all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The credit bureau Experian is reporting an address XXXX XXXX XXXX, XXXX, La XXXX! This is not my address! Someone used that address and created it/ used it on my credit report!

The bureau is also reporting a credit card balance for a total of {$420.00} that I allegedly applied and got approved for by XXXX XXXX. This is fraud! Someone used my name and a fake address to apply for that credit card! This was not anything I ever applied for. I have tried to dispute this twice and havent gotten anywhere it is still reporting. This credit card is showing opened on XXXX XXXX, XXXX  and is still being reported as of now! 

Experian is also reporting XXXX collections that I allegedly applied for. 
The first collection is showing XXXX XXXX XXXX, aka XXXX XXXX reporting a balance of {$780.00} and that I allegedly opened the account XX/XX/2021. Sir or madam, I have never opened any XXXX XXXX  account! I have asked them to show me proof on plenty occasions and they keep giving me the run around saying that I can go inside XXXX and pull that information which is XXXX because they should provide me proof upon request! 

The second collection is another credit card being reported by XXXX XXXX, aka XXXX XXXX XXXX  for a balance of {$740.00}! Again someone used my personal info to open a credit card. I have never used this credit card as of my knowledge so please I need assistance with getting this deleted! I have tried to dispute these as well and in the comments ( in the photos ) below it shows proof Ive been trying to get this 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 2023-12-26 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The credit bureau Experian is reporting an address XXXX XXXX XXXX XXXX XXXX XXXX This is not my address! Someone used that address and created it/ used it on my credit report!

The bureau is also reporting a credit card balance for a total of {$420.00} that I allegedly applied and got approved for by XXXX XXXX. This is fraud! Someone used my name and a fake address to apply for that credit card! This was not anything I ever applied for. I have tried to dispute this twice and havent gotten anywhere it is still reporting. This credit card is showing opened on XXXX XXXX XXXX   and is still being reported as of now! 

Experian is also reporting two collections that I allegedly applied for. 
The first collection is showing XXXX XXXX XXXX, aka XXXX XXXX reporting a balance of {$780.00} and that I allegedly opened the account XX/XX/. Sir or madam, I have never opened any XXXX XXXX   account! I have asked them to show me proof on plenty occasions and they keep giving me the run around saying that I can go inside XXXX and pull that information which is XXXX because they should provide me proof upon request! 

The second collection is another credit card being reported by XXXX XXXX XXXX XXXX XXXX XXXX  for a balance of {$740.00}! Again someone used my personal info to open a credit card. I have never used this credit card as of my knowledge so please I need assistance with getting this deleted! I have tried to dispute these as well and in the comments ( in the photos ) below it shows proof Ive been trying to get this 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 2023-12-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card

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 2023-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae keeps harassing my home and family, stop calling and emailing my family members and being annoying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I need these inaccurate accounts to be removed ASAP XXXX. Late payment from XXXX XXXX XXXX Date of Late Payment : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX XXXX. Hard Inquiry from XXXX XXXX XXXX  Date of Hard Inquiry : XX/XX/XXXX Thanks,

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 2023-12-26 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: Bread Financial Holdings, Inc.
State: GA

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. 

Account name : COMENITYXXXXXXXX, Account number : XXXX Account name : XXXXXXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX has violated my rights. 

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

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

15 U.S.C. 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
XXXX L : oan consolidation was completed in XXXX or XXXX of XXXX and the total dollar figure was {$70.00}, XXXX ( XXXX Loan App ) or {$71.00}, XXXX ( Dept of ED XXXX Case XXXX email letter dated XX/XX/XXXX {$55000.00} - XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Total Consolidated What should have been consolidated? 
{$71000.00} XXXX Consolidated figure ( {$14000.00} ) - XXXX XXXX previous paid ( {$20000.00} ) XXXXXXXX XXXX  Alternative private loans discharged in bankruptcy {$36000.00} SEE EXHIBIT 3 DISCHARGED LOANS SEE EXHIBIT 4- DOCUMENTS ABOUT XXXX CONSOLIDATION AND AMOUNT OWED. 

SEE EXHIBIT 5 -PREVIOUS LOAN PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I got a American Express gift card that kept declining ( original complaint XXXX ). American Express advised that they sent a refund check to my address in the amount of XXXX and that I should receive the check within 3-5 business days of XXXX. Today is XX/XX/XXXX and I still have not received a refund check. I called American Express on XX/XX/XXXX to inquire as to why I have not received the check and the customer service rep was extremely rude and after placing me on hold for 20 minutes she hung up the phone. This is UNACCEPTABLE!!!!!!! I called back to American Express again today and was told there is nothing they can do since they already mailed the check. Well apparently the check is lost because it should not take 15 days to receive a check coming from XXXX to XXXX!!!!!!!!!! There has to be something America Express can do to expedite this process!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have an account with PayPal. This account is active and has been in good standing for many years. I am currently traveling in XXXX for XXXX  weeks, and while I am here, I decided to get a local XXXX card with a local number. In this country, mobile numbers are also enabled with a digital wallet to facilitate easy cashless payments. 

This service, XXXX XXXX supports transfers from XXXXXXXX XXXX accounts ( or debit cards ) via XXXX ( a PayPal service ) to digital wallets such as XXXX. On XX/XX/2023, I made a transfer attempt in the amount of US {$100.00}. I attempted to send the funds from my PayPal account to my XXXX account. I receive a confirmation that the funds transfer was successfully completed. However, a few days later, I received notice from PayPal that my transaction was cancelled. There was no explanation. I was told to contact XXXX support. When I called the number, there was no staff available as it was outside of business hours for their call center, which works on XXXX time. 

I then decided to email the support center at the address I found in the communication I received. They responded that I should call instead. I tried it again, but still no one was availableafter all it is XXXX XXXX, so it is reasonable to assume that their staff are enjoying the holiday. 

On XX/XX/XXXX, I attempted to do another transfer, but the PayPal app prevented me from completing it, and directed me to contact support. Again, I tried to call, but there was no staff available as it was in the wee hours of the morning XXXX time. So, again, I sent another email. The gents who replied did not attempt to understand my problem or did not try to help. 

I asked my partner, who is traveling with me, to send me funds to my XXXX account from his PayPal account . He, too, received a reply from PayPal that his transaction was being cancelled. 

We are honest, law-abiding citizens of the United States with accounts in good standing. Why do I feel like we are being suspected of engaging in illegal activities and being prevented from using the services that PayPal has marketed as availableand failing to provide support and resolution?! This does not strike me as fair treatment. 

It seems to me that they blocked the phone number associated with my XXXX account from receiving funds through its payment/funds transfer network.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: NAVY FEDERAL CREDIT UNION
State: GA

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. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX Account name : NAVY FEDERAL CR UNIONXXXX Account number XXXX Account name : NAVY FEDERAL CR UNION, Account number XXXX has violated my rights. 

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

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

15 U.S.C. 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 cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: DISCOVER BANK
State: GA

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. 

Account name : XXXX, Account number : XXXX Account name : DISCOVER BANK, Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX Account name : XXXX XXXX XXXX XXXX, Account number XXXX has violated my rights. 

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

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

15 U.S.C. 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: GA

Complaint narrative:
disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Called milestone about account summary and payment information I received on a credit card I never opened! I spoke to a lady named XXXX in the fraud departments. Her number is XXXX. I explained to her this is a fraud case because I've never heard of this milestone. It's also a XXXX XXXX out of XXXX, Georgia. There's not even a correct address. It's called concora credit. They have charged me {$170.00} in fees. No goods were charged to the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: MS

Complaint narrative:
Equifax is reporting child support on my credit profile when it is illegal to report child support, I have asked them to delete it but they have not given me a response.. I have asked them multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
EQUIFAX data breach my consumer report and the information within has been compromised and shared by EQUIFAX claim number XXXX delete the following information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Bankruptcy case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit report has been compromised ... .15 usc 1681a p 15 usc 1681c 1 15 usc 1681c 2..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card

Company response to consumer: Closed with explanation