vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I were in XXXX XXXX XXXX  and signed a contract to purchase a type of timeshare. The purchase would cost {$49000.00} for access to 8 weeks. We would be paid {$51000.00} for our current timeshares with XXXX and we would receive {$2500.00} X 8 weeks per year for buyback of our weeks for two years. At the end of two years, we would sell our timeshare back to them for {$78000.00}. We gave them a down payment to XXXX and when we sold back we would receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$140000.00}. But when we came home and was not able to contact the Company XXXX XXXX XXXX XXXX XXXX ) we started looking on the internet for other phone numbers and discovered that there were dozens of others like us who were left holding the bag after paying XXXX XXXX XXXX only to find out that they never bought their timeshares and never had any vacancies and they received NOTHING for their XXXX XXXX XXXX spent. We decided to cancel our contract that did not take effect until XX/XX/XXXX and sent a letter via XXXX that they signed for in XXXX. We contacted Barclays Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$9700.00} ) and explained the problem to them. We have been working with both but neither one has made any progress on our behalf. They both are bogged down by the wording of the contract that the " merchant '' has no intention of following anyway. We think that because we are XXXX XXXX that have obviously been scammed, that they should be able to work for us to get our money back and allow us out of a contract that has not taken effect anyway..

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
Upon reviewing my credit report, I noticed an unfamiliar inquiry from a company Ive never interacted with or authorized to access my credit information. I never applied for anything related to this inquiry, nor did I give consent for it to be made. Discovering this has been both stressful and unsettling, as I take my financial privacy seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts identified as fraudulent due to my victimization in a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to this action to protect my credit report from unauthorized and fraudulent information. 
The following accounts have been flagged as fraudulent and require immediate action : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts identified as fraudulent due to my victimization in a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to this action to protect my credit report from unauthorized and fraudulent information. 
The following accounts have been flagged as fraudulent and require immediate action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agency is reporting fraudulent information. I have attempted to resolve this matter directly without success. The credit inquiries ( documentation attached ) were done without my knowledge and or permission. Please refer to attached documentation that establishes my identity theft claim. Please have the credit reporting agency delete all inquiries not authorized by me.

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 2025-01-02 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: WA

Complaint narrative:
The inquiries from your company on my credit report are unauthorized and have been negatively affecting my credit score.

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 2025-01-02 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: FL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion about their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return and have not received any mail regarding this matter.

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 2025-01-02 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
I think a class action suit needs to be brought against all these credit card companies that are lowering your available credit because your utilization is too high. It is lowing credit scores. 

It would be different if there was late payments on the account or other issues but when a consumer is paying perfect for years and years, and the only negative this is that they recently used their cards more, now I am getting punished? The credit company issues the amount and said " here, you pay your bills, have this {$10000.00} credit limit '' but I better not use it because when I have XXXX on the card, my limit is dropped to {$7300.00} for instance showing my utilization is almost at 100 % instead of 70 %, etc. And don't get me started on the credit cards who have threatened to lower my limit since I never use the card. " You better charge something within the next 30 days or we are going to lower your limit or close your account '' How is this fair to the consumer????

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 2025-01-02 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: VA

Complaint narrative:
I am attaching materials confirming the continuing unlawful omission of my suffix and variation of my name and address. Each of the attached items arrived after I initiated my complaints. 

An identity theft report ( XXXX XXXX ) is currently pending with my local enforcement office ( concerning XXXX activity and recent omission of my suffix ). Failures to correct my name and address ( as previously requested ) could easily impede the investigation of the aforementioned report by local and/or state law enforcement. 

I have filed multiple reports seeking the correction of my name and address. Although this is a purely ministerial request, the attached materials ( transmitted via USPS ), however, suggest an almost comical, concerted effort to do otherwise. 

What may seem comical to XXXX, Equifax, XXXX, and/or others, however, may be criminal in the eyes of state and local law enforcement, so I need to alert the CFPB to the attached.

In an abundance of caution, I am also attaching a report revealing a mistaken date of birth. Although I was conceived in XXXX, I was born in XXXX. Alerting the CFPB to this report seemed the easiest was to eliminate any Date Of XXXX ( XXXX ) XXXX constructs relying on the attached or similar documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
I am attaching materials confirming the continuing unlawful omission of my suffix and variation of my name and address. Each of the attached items arrived after I initiated my complaints. 

An identity theft report ( XXXX XXXX ) is currently pending with my local enforcement office ( concerning XXXX activity and recent omission of my suffix ). Failures to correct my name and address ( as previously requested ) could easily impede the investigation of the aforementioned report by local and/or state law enforcement. 

I have filed multiple reports seeking the correction of my name and address. Although this is a purely ministerial request, the attached materials ( transmitted via USPS ), however, suggest an almost comical, concerted effort to do otherwise. 

What may seem comical to XXXX, XXXX, Experian, and/or others, however, XXXX be criminal in the eyes of state and local law enforcement, so I need to alert the CFPB to the attached. 

In an abundance of caution, I am also attaching a report revealing a mistaken date of birth. Although I was conceived in XXXX, I was born in XXXX. Alerting the CFPB to this report seemed the easiest was to eliminate any Date Of XXXX ( XXXX ) XXXX constructs relying on the attached or similar documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had 5 late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had 5 late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. 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 explanation
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
I have no knowledge of these inquiries, and they seem unauthorized and potentially fraudulent. Kindly take swift action to address this matter. Relevant documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
During the month of XX/XX/year>, our checking and saving accounts were hacked, ( monies depleted from our accounts ) and our bank, Fifth Third Bank, XXXXXXXX XXXX is not replacing our funds. This complaint was filed over one month ago with the bank and their fraud department is now telling us that it will take another month to work on this problem. 
Can you help us with this procrastinating and bad storytelling institution? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
My car, what is rear-ended at a red light and was in a tow yard for 3 weeks, I waiting for an insurance company to approve repair check. 

The tow truck company, contacted the leasing company without my consent to have the car repossessed. While I was waiting for auto body shop to pick up car for repairs. And now I owe up to XXXX XXXX in order to get my car back.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: TX

Complaint narrative:
in XX/XX/year>, I enrolled my company, XXXX XXXX XXXX XXXX, up for credit reporting services with XXXX XXXX XXXX XXXX XXXX XXXX  However, the company isn't reporting anything to the credit bureaus as it advertises. I enrolled in the basic package and when I pulled up my XXXX credit reports, I don't see XXXX listed at all. Also, on XX/XX/year>, I sent an email to XXXX XXXX customer service support about the technical issues I am experiencing as I tried numerous times to add the property management information and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XXXX XXXX XXXX an amount of XXXX XXXX was missing from my account due to a bank error. I called the bank, talked to teammate and over the chat that the bank app provides and none of them gave me a reason why the money disappeared. On the first call the teammate was really specific on saying that was a bank problem and for me to dont worry about cause the money would return to my account, and probably was just a app problem, but after that, all the calls and all the messages they say its a truist. They have the statements and everything but both of the banks refuse to tell me what happened with the money take responsibility for it or give me a solution since the money is not on neither of the accounts and theres no explanation for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief