vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2023 I attempted to make a purchase for airline tickets with XXXX XXXX. The purchase did. It go through, but the credit card company ( Serveprepaid American Express ) is holding {$1400.00}. I called them about releasing the money the next day and I was told it would take 8 days. XXXX said 3-5. I just got off of the phone with the card company yet again and now they are telling me 30 days because it is an airline. The first person never said that. I NEED my money put back in the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
My account through XXXX XXXX was charged from the credit place called transform credit Inc. with a number and mailing address that I do not have Im currently on my way to getting my credit fix because I did not approve of this loan through XXXX XXXX. I have contact the fraudulent department and journey, credit department or if XXXXe a separate department not sure if Im making any sense here but Im trying to get this situated because I am on the verge of fraudulent and identity theft so if you could please help me, I have tried to cancel from them even the place from XXXX  XXXX  has tried to call three credit places to cancel, and none of them are answering via by live person. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NV

Complaint narrative:
I have wrong, missing fraud etc. information on my credit reports. I have disputed this for 3 plus years, I again contacted each bureau and tried to resolve. they have violated my rights under 15 USC 1681. they have caused me harm, jobs, loss of credit, mortgages and loans etc. 
I have repeatedly tried to get the information removed and they just turn it over to someone else for me to contact. 
I did not give then permission to use or sell my information. 
i did not give them permission to use this negative credit against me. 
I have shown them this was not me my name is XXXX not XXXX. they still will not remove these 5 accounts from my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I'm attaching my credit report with the account circled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Bank Accounts was open fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: OK

Complaint narrative:
I would like to state that company is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company then written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental anguish, XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX. This is a fraudulent account that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 

I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it. 

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate. 

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher. 

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to 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 2023-05-08 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: WI

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy my Rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right To Privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.

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 2023-05-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was approved for a personal loan with XXXX XXXX. They stated I would only have one hard inquiry, but I am showing two within a few days.

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 2023-05-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 15 U.S.C. 1681 section 602 A, states I have rights 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 consent.

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, 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 accurate.

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 2023-05-08 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 Act Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 15 U.S.C. 1681 section 602 A, states I have rights 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 consent.

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, 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 accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: AL

Complaint narrative:
Accounts that are reporting incorrectly on my file : 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 explanation
Consumer complaint received 2023-05-08 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: UPGRADE, INC.
State: GA

Complaint narrative:
No knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy federal has a closed account in my name that is damaging my credit and needs to be removed, this charge off account has been disputed 3 times in XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc.
State: SC

Complaint narrative:
After signing up for a Revolut account and exchanging money to dollars they will not let me transfer the money to my XXXX XXXX account. This company scam discloser tactics should be prosecuted, as soon as you transfer the money they change the terms of the disclosures. Stay away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Once I became aware of the account on my credit report I disputed the account and requested verification on XX/XX/XXXX. I followed up with the creditor by phone on XX/XX/XXXX and spoke to a representative ( XXXX XXXX ) who confirmed they received the dispute on XX/XX/XXXX and mailed out the itemization on XX/XX/XXXX. While on the line she also confirmed my correct mailing address as I have not received any correspondence from the creditor. I called back on XX/XX/XXXX, spoke to representative ( XXXX ). Requested that this account be deleted from all credit bureaus as I have not receive any correspondence they claim to have sent. Regardless, if sent, it would have been outside of the 30 day timeframe required by law. This rep informed me that XXXX requested for another itemization be sent to me and the only thing he could do is to request another be sent out. I advised him, it was still outside of the 30 days from the date of dispute. XXXX stated if I was going to talk like that that " he would just throw me to a manager ''. I spoke to manager, XXXX XXXX, who asked " how may I help you? ". I again, explained the situation and as I started to request for deletion of the account he spoke over me. I confirmed that the first thing he asked was " how may I help you? '' so I don't understand why he's speaking over me while I'm answering. Advised we would not have a good dialogue if that's how the conversation is going to go. XXXX XXXX replied, " If you're going to be smart, I'll just disconnect the call. '' I told him I am requesting for the account to be deleted from all the credit bureaus due to your failing to reply within 30 days in which he replied with a firm " NO '' then he disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Application number : XXXX I did not submit a request for pre-qualification. Mistaken identity or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX a fraudulent hard inquiry appeared on my Equifax credit report. The inquiry appeared as XXXX XXXX XXXX ( All in caps ) Sales Financing. ( XXXX ) XXXX. The first thing did was call the number above XXXX. The number rang and it was a cellular number. Then I called the actual XXXXXXXX XXXX which the correct phone number is XXXX. I disputed this hard inquiry with Equifax and was denied. I called Equifax and spoke with a representative " she stated to file a police report to get the hard inquiry removed. The police representative said to dispute with Equifax because the phone number on the hard inquiry isn't XXXX XXXX phone number. I called Equifax and spoke with a supervisior name XXXX on XX/XX/XXXX @ XXXX ; XXXX. XXXX advised to go to the FTC.gov website to file a report. 
When the real XXXXXXXX XXXX is added to a hard inquiry on your credit report it reads '' XXXX and includes the account name for example - '' XXXX ( Bank ).

Company response to consumer: Closed with explanation