vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act TXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section XXXX it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXXi has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX Funding, all XXXX are showing on my report with the same Account Number 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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Someone scammed me out of {$680.00} in prepaid cards while I was setting up a new bank account. They were American Express cards. I've talked to them about it but I'm still waiting for resolution. I do have the accounts that my money was used for from calling them I just don't know how well they're doing to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 section 602 A states : I have the right to privacy.

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

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 2022-08-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 section 602 A states : I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXXXXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX - {$11.00} XXXX XXXX XXXX XXXX - {$25.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$990.00} Never received any medical bill from XXXX or XXXX XXXX. 

Company that is sending the collection letter is AAA Collections , INC,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a TD bank statement period XX/XX/2022 to XXXX XXXX with a stimulus check deposit of {$1400.00} on XXXX XXXX. 
I went to TD bank on XXXX XXXX in XXXX XXXX on XX/XX/2022. The information on the checking account was using my social security number, date of birth, and address. 
The initial bank account that I opened was a student savings account and not a checking account with a minium balance of {$20000.00}. TD bank contacted the fraud department today. It seems the stimulus check was written out to someone else and deposited into my account of mine that I thought was closed out years ago. 
Two checks were written off this account and deposited into a XXXX  XXXX XXXX account at the end of XXXX and beginning of XXXX. 
Please rectifiy this situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, As of todays date, XX/XX/XXXX, I pulled my Experian credit report - it shows a 60 day late payment on XX/XX/XXXX from XXXX  XXXX. 

I have a letter from XXXX XXXX to *remove* this 60 day late payment from my credit report. 

To this complaint I will attached : - drivers license - social security card - address - screen shot where 60 day late payment shows on credit report from XXXX  XXXX - my written complaint - letter from XXXX  XXXX Please have this removed as soon as possible as I am buying a house and this is damaging my credit.

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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XXXX XX/XX/2022 USAA again put a 7-day hold on my payroll check, which is causing me to be subject to fees because I have automatic payment on some of my bills. This hold is causing my account to be subject to nonsufficient funds fees which USAA charges me. I would like them to be audited because there may be others who are being abused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I applied for an installment loan with this company, after completing my application I was asked for additional information and directed to the site for perform or upload that information. 

The additional information needed was a copy of a government ID such as my DL which I tried to upload. 

After several attempts I was not able to upload the requested document as their site was continuously in error and could not or would not accept the upload. So, after many attempts I was of course denied for the reason : unable to verify my identity. 

I called the company and explained that I was unable to upload the requested document and was told since I could not upload the document I was denied. 

My issue with this is that, due to no fault of my own I was denied credit with this company because they could not accept or their system failed to accept a valid DL, I take issue with this since it was not due to a low credit score of any other type of issue that would not have prevented me from being approved. 

While this may or may not be bad business practice with this company to any laws being broken with the FTC, I think they could have given a customer another way of uploading requested documents to satisfy their request. 

I think it's unfair to the consumer to be denied them simply because their system fail to responsed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX did a hard inquiry on my credit report without my permission I didn't authorize it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an account with XXXX XXXX  XXXX  for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, XXXX offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have 1 late payment in my history from XX/XX/2021. As you can see from my history with XXXX that is the 1st and only reported late payment which was no fault of my own. I contacted XXXX several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an account with XXXX XXXX XXXX for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, XXXX offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have 1 late payment in my history from XX/XX/2021. As you can see from my history with XXXX that is the 1st and only reported late payment which was no fault of my own. I contacted XXXX several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My Barclays Mastercard ( from Barclays, XXXX XXXX. XXXX XXXX, XXXX XXXX. ) ending in XXXX was stolen from my wallet in a locker at an XXXX XXXX XXXX Pennsylvania recreation facility on XX/XX/2022. The card was one of four credit or debit cards stolen fro my wallet, Expenditures were made on all four cards by the thief the same day including a {$3600.00} expenditure at the XXXX store on the XXXX card. I reported the theft to all four credit card companies, as well as to the XXXX XXXX XXXX Police Department the same day. Three of the credit card companies gave me credit for the expenditures made by the thief. However, Barclays XXXX XXXX XXXX XXXX MasterCard Account has told me that I am responsible for expenditure by the thief. 

Barclays initially issued me a provisional credit to my account for the full amount of the expenditure but later reversed its decision and placed the amount back on my account. Barclays letter dated XX/XX/2022, stated that the expenditure by the thief was valid because " the card was identified as being in your possession and chip technology was used, which can not be counterfeited. '' I have been attempting to get Barclays to remove the charge since then. XXXX XXXX XXXX of the XXXX XXXX XXXX Police Department telephoned Barclays on or about XX/XX/2022, on my behalf to report the theft of my credit card. I faxed to Barclays on XX/XX/2022, a report from the Chief of Police of XXXX XXXX XXXX Police Department confirming the theft of my Barclays card and the {$3600.00} charge made while it was stolen. Nevertheless, I have been unsuccessful in getting Barclays to apply their advertised policy of not requiring payment by their card holders of stolen or fraudulent expenditures. 

I have telephoned Barclays fraud investigation unit on numerous occasions to plead my case. I talked to, among others, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/2022. I have been told someone will contact me after a review of the case, but no one ever calls back. 

I would appreciate any assistance that you can provide to require Barclays to acknowledge that I have no responsibility for the XX/XX/2022 charge of {$3600.00} at the XXXX store that I did not make as the charge was made by a person who stole my credit 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 monetary relief
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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

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 2022-08-22 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-22 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In the previous 3 to 12 months, I have disputed XXXX XXXX  through ALL 3 major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX XXXX put this account into collections and subsequently CLOSED this account. However, according to ALL 3 CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became XXXX  from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX XXXX  erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX XXXX  has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the TransUnion, XXXX and XXXX to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )

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 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
Wakefield and Associates contacted me via mail regarding an alleged debt with no verification or proof of aforementioned debt.

Company response to consumer: Closed with explanation