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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. My information was sold and brought illegally because I was a victim of the Equifax data breach. 

Equifax Data Breach Settlement ID # XXXX

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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My wife and I recently relocated from XXXX XXXX XXXX. The first indication of a problem was when trying to establish an account for internet service with XXXX XXXX XXXX. They said there was something wrong with how my name appears on a credit report. Since we just secured a mortgage and other utility accounts in my name with no issue, we assumed XXXX XXXX XXXX was mistaken and set up the account in my wife 's name. When I received a call back from XXXX for our electric service to verify information I knew something must be off. I accessed my Equifax account online and updated some address information. The only way their website provides to update an address is to dispute what is reporting as the current address. I disputed and it was processed, but this erased my address where I owned a home for 14 years @ XXXX XXXX XXXX XXXX, XXXX, Oh XXXX. I called Equifax to discuss and try to find a resolution and this is when I discovered they have my first name spelled incorrectly as XXXX '' instead of 'XXXX ' XXXX The representative I spoke with, XXXX, kept blaming this on my " lender '', but would not provide the name of a lender who's fault this allegedly was. I pointed out that XXXX and XXXX have my name spelled correctly. After much back and forth and frustration, XXXX stated she had corrected this issue and to check my report again in an hour. XXXX provided a reference number XXXX. I believe this interaction took place on XXXX. 
Today, XXXX, I logged into Equifax and pulled another report which still shows my name spelled incorrectly as " XXXX '' instead of " XXXX ''. I called and spoke with 'XXXX  XXXX who again blames this on my " lender '' but will not tell me the name of the lender providing this information. XXXX now wants me to physically mail copes of my driver license and social security card to Equifax. As a long time victim of identity theft, I'm not comfortable sending these items in the mail and frankly, shouldn't have to. As a large organization responsible for handling hundreds of millions of American 's personal identifiable information, there has to be a more secure and accurate way of them verifying and correct their mistake. Clearly Equifax has outsourced their customer service somewhere outside the U.S. and dealing with whomever just reads a script in their call centers is infuriating.

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: EQUIFAX, 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.

has violated my rights. Or a list of inquiries : 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 a 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: 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Helvey and Associates IN is reporting a debt owed in the amount of {$350.00}. The debt is a result of fraudulent charges that continues to be resold and passed around. The debtor in which they say I owe, I currently have an account with them and is in good standing. The account that they have does not belong to me.

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: 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: CO

Complaint narrative:
Hello, I have a {$50.00} American Express gift card that keeps getting declined in store and online. The card says its activated and that it has a {$50.00} balance. The items Im trying to purchase are way below the {$50.00} price.

Company response to consumer: Closed with 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: OH

Complaint narrative:
I previously filed a complaint against Transunion XX/XX/2023 disputing the accuracy of unauthorized and fraudulent inquires listed on my credit report. Transunion closed my complaint XXXX XXXX attached stating the following : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for XXXX years and if you believe it was made without permissible purpose, you may wish contact the company directly. The dispute investigation ( s ) that were initiated for the following account ( s ) and/or public record ( s ) have been cancelled at your request : Additionally I have tradeline and collection account information errors on my credit file that I would like to bring to notice and dispute on my credit file with Transunion.

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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
in accordance with the the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 ( a ) ( 4 ) states i have the right to privacy, 15 USC 1681 Section 604 ( a ) ( 2 ) : also states any consumer reporting agency can only furnish an account with my written instructions, they were never given 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 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: Experian Information Solutions Inc.
State: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items IMMEDIATELY! 
These accounts 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 the 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 deletion of the ACCOUNTS, listed IMMEDIATELY!

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 — Public record information inaccurate
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prizm Financial Company, LLC
State: IN

Complaint narrative:
I currently have an open auto loan with Prizm Financial XXXX XXXX XXXX which unfortunately is overdue, as a result of hardship. I receive regular communication regarding my account via email through different team members in the collections department. More recently, Ive received several emails from XXXX XXXX that can only be described as harassment and antagonistic in nature. By the very definition, XXXX communication tactics are verbally abusive. As I found the weight of behavior becoming too much bear, regardless of debt being owed or not, I exercised my rights, outlined under the Fair Credit Reporting Act, and asked XXXX XXXX to cease all contact with me, as there are other representatives who can communicate with me concerning my account. Even after 2 attempts, clearly outlining my request for her to no longer contact me, she continued to do so.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed that Recently a company that I have never had a contract or account with has been added to collections on my credit report

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

Complaint narrative:
I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..

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 2023-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Last Friday ( XX/XX/22 ), I attempted to send money directly from my Chime checking account to my mother 's bank account. I have not done this before and was not sure how, so I contacted Chime customer service via the phone. I called their phone number at XXXX. The man on the other end of the line proceeded to tell me that he could help me with the transfer of funds. Therefore, I was told by this person who claimed they were a chime employee ( who answered the phone listed as the chime phone number ) to send money to various people. The man assured me that this was standard protocal, that if I sent the money to him he would transfer it to my mother 's bank. 

The first that I sent was {$2000.00} to the email XXXX The second that I sent was {$2000.00} to XXXX XXXX. 

The third that I sent was {$1000.00} to XXXX XXXX. 

I then received {$91.00} from someone named XXXX XXXX XXXX. 

Quickly after, I realized it was a scammer on the other end of the line ( or a chime emplyoee who is a scammer ). 

{$5000.00} of my money is now gone due to scammers answering Chimes customer service phone number. How can I call the customer service number and have scammers on the other end? Chime has already rejected my claim and refuses to give my money back despite the fact that their correct customer service phone number led me to a scammer. I have now researched this issue and discovered many other people have had the same exact scam happen to them while banking with chime. DO NOT CALL CHIME OR ANSWER THEIR CALLS.

Company response to consumer: Closed with monetary relief
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: AR

Complaint narrative:
Purchased card on XX/XX/23. Card has the amount on it. I can see that the amount is on card and that the card is active. According to customer service " just keep trying to use it until it works somewhere ''. I called American Express gift card customer service and they said they are " protecting my funds '' and " use it at XXXX ''. I tried XXXX XXXX and in person, XXXXXXXX XXXX XXXX, gas stations, XXXX XXXXXXXX XXXX XXXX XXXX XXXX my doctors office ect ect no matter what the " security parameters '' will not let you use your gift card ANYWHERE FOR ANY AMOUNT. However, it will let XXXX cents come off everytime I try to process it somewhere.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This collection was open in 2017 and has been closed and removed and they are reporting it back on my credit report

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

Complaint narrative:
Equifax refuses to take responsibliity for what they are doing wrong. The companies reporting to Equifax are not the problem. Equifax is the problem. Nothing of any consequence has changed on my credit history to warrant lowering my credit score from XXXX to XXXX. A response that only includes swiping generalizations doesn't many anything. 
They can't give me a specific reason for lowering my score because they are not willing to admit they are wrong.

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: TRANSUNION INTERMEDIATE 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 : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a 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 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet has updated XXXX several times of my XXXX balance on all Nelnet accounts that were paid in full. XXXX is the only company out of the XXXX reporting agency that has refused to update its system. However, I have sent verifcation that I have a XXXX balance with Nelnet, along with Nelnet reflecting this to XXXX and in their system. I currently do not owe XXXX in XXXX loans. Please help my loans were transferred from Nelnet and paid in full by XXXX. I have not balance with Nelnet at all. This can be verified with them as Well

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/2018. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the XXXX ( XXXX, XXXX, and Transunion ) how stressful this is and its impacting my ability to obtain credit. This is also in violation of 15 USC 1681, furnishing information to my account without my permission, and as a result of identity theft. 
The accounts that are listed on my credit profile are : XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX The inquiries listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Again I have no knowledge of the accounts

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