vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX of 2023 and was discharged in XXXX of 2023. After disputing the incorrect information on my XXXX credit report twice, no correct update on my account status has been given. My account says charged off and reports a balance. It should say discharged under XXXX  XXXX bankruptcy and report a XXXX balance. I have uploaded all documentation to XXXX and Ford Motor Credit showing this account is included in my bankruptcy and still they come back and says it being reported correctly as charged off. My documentation shows the petition of conversion from a XXXX XXXX XXXX XXXX  My listed creditors that lists Ford Motor Credit/Lincoln Automotive on my matrix and my discharge letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: KY

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2024-01-29 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: KY

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2024-01-29 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:
Below are the inaccurate accounts I found listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX own leasing XXXX 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 2024-01-29 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: AL

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.

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 2024-01-29 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: NY

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.

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 explanation
Consumer complaint received 2024-01-29 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
When I had my previous mortgage company I was allow to pay with different methods. Y went online to make payments with my credit cards and the system said I needed to change methods payment. When I did it didnt let me pay with my credit card and now is not allowing me to setup automatic payment on the XXXX of every month like my previous company allowed me too for the last 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-29 00:00:00
Product: 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: CA

Complaint narrative:
Hello, Please help resolve. 
I received a pre-paid AMEX card as a gift for {$400.00} in XX/XX/XXXX, then activated and verified money was indeed on this card. 
I used the card without issue, then began experiencing issues on XX/XX/XXXX when it was rejected when trying to use it on-line or in a store, as a credit card or debit card. 

I have contacted the AMEX on the card XXXX for resolution, yet my card continues to be unable to access available funds for {$210.00}. 

Below is my timeline and current screen shot of the available balance. 
Thank you. 
- XX/XX/XXXX : Called to indicate my card had pending transactions I did not make and advised to wait so AMEX can resolve. 
- XX/XX/XXXX for status since card still getting declined. No resolution. 
- XX/XX/XXXX for status since card still getting declined. No resolution. Advised to wait. 
- XX/XX/XXXX. or status since card still getting declined. No resolution. Advised to wait. At this last interaction, XXXX cents was stated as pending and I needed to wait until this cleared before I can access my remaining $ XXXX available balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I initially needed only {$5500.00} loan to cover minor home repairs & pay down debt ( several accounts open with approximately {$45000.00} credit line of creditcarrying approx {$6500.00} debt absolutely No late payments ) present credit score ranging from 770 to 750 In the last +one week I contacted several lenders shopping for the best interest rates I first went to my mortgage lender, was told the amount was too low for XXXX XXXX & they did service secured small loans not personal loans No problem applied at several lending companies each making hard pulls on my XXXX  lender strongly advised to not borrow {$5500.00}, but $ XXXX said lets try crunching the numberssaid it was doable provided all the documentation passports mortgage statements income verifications etc as soon as I finished giving him all the info he said I was not qualified for any loanthe last one OneMain lender said it would be no problem at 34.99 % to 35 % payable 4 to 5 years I mentioned that I had a decent credit scorethey in turn said I recently made too many inquiries I just checked credit scores one was at XXXX thats a XXXX point drop in one week Message was clear XXXX credit score is credit unworthiness? 
I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, I canceled a Cash App transaction the third party did not cash out so no money was received to the third party. I canceled the pending Cash App transaction to XXXX XXXX for {$100.00} and cash app confirmed they refunded my bank. The cancelation happened on XX/XX/XXXX. My bank verified no refund was received by cash app. I tried filing two claims with my bank both claims were denied. They say they are unable to process claims to third party money transfer companies. My bank confirmed no refund was received in my account from cash app. I have contacted cash app XXXX times or more each time they tell me to file a claim with my bank that they refunded me XXXX on XX/XX/XXXX. There is nothing else they can do for me. I am a low income single mom and XXXX is a lot to me and I desperately need my money back. I would like to file a legal claim against cash app or an official claim to cash up the multiple agents I have spoke to with cash app continues to tell me the same answer I have to file a claim with my bank I have tried to file a claim two different times with my bank both times they say a refund was not received into my account and they are unable to retrieve funds back from cash app. Cash app refuses to help me any further other than telling me the refund was issued already and to file a claim with my bank. I need further assistance from cash app merchant services to see and XXXX where my money is but they will not help me. 

Original transaction date XX/XX/XXXX {$100.00} to XXXX XXXX XXXX Cash App - Refunded on XX/XX/XXXX XXXX XXXX DOB- XX/XX/XXXX Address : XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail : Search, Organize, Conquer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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 loan is not mine. It belongs to my exwife who is court ordered to pay it and its still on my Transunion 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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Federal laws mandate the inaccurate information and late payment reporting is excluded from Consumer Files. XXXX and EXPERIAN are in violation of FCRA 1666b ( a ) by furnishing late payments on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. These late payments are illegal and also inaccurate information due to Payment history shown of credited payments twice the months of XX/XX/XXXX & XX/XX/XXXX. Account was suspended, closed and new card issued due to theft of my backpack containing credit cards, phone and tablet on XX/XX/XXXX. XXXX XXXX Police Department item # 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 2024-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Account number XXXX XX/XX/XXXX interest paid {$3200.00} XX/XX/XXXX interest paid {$350.00} XX/XX/XXXX interest paid {$5.00} I have repeatedly requested by contacting the bank where I open the account, by calling their XXXX number and in writing through their on-line email service to state how the interested was calculated by giving me the interested rate, the dollar amount and the number of day they use to compute the interested earned. They only respond with a canned response and not the actual numbers.

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 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX Note : Synchrony will not return our call. This is the only way to get them to communicate.

We had mailed Synchrony Bank a certified letter on XXXX XX/XX/XXXX that they received on XXXX XX/XX/XXXX telling them to not open another card in my name. I have never activated any Synchrony credit card and close them as soon as they came in the mail. Last year we locked down our credit in an attempt to stop Synchrony from doing this ever again. 
XXXX XX/XX/XXXX Synchrony e-mailed us the enclosed. We did not have a card to report lost or stolen and Synchrony did not send us this new card # XXXX. We dont have a phone number on the card that I dont have, to call and have it closed. Synchrony did send us a statement for this card # XXXX, ( enclosed ) we received it on XXXX XX/XX/XXXX. 
The statement says it has a {$30.00} credit that was transferred from the previous card # XXXX, which had a {$0.00} balance ( see enclosed ). It was never activated and we had it closed. It says it has a {$9000.00} credit limit and {$0.00} available credit. We do not know who they sent this card to, but we did not get it. 
There was no {$30.00} credit on card # XXXX to transfer to card # XXXX. Did they make up this credit to get past our credit lock down? The final statement for card # XXXX, XX/XX/XXXX shows {$0.00} balance, not a credit of {$30.00}. 
We have never filled out an application for a Synchrony credit card, a business opened one in XXXX of XXXX and a scammer fraudulently charged to it. When we asked for a copy of the application, Synchrony said there isnt one. 
Card # XXXX has a {$0.00} balance as the business credited back all of the money that was fraudulently charged to the card. Synchrony had credited back the {$29.00} fee to open the card on the XX/XX/XXXX statement but still denied our fraud claim and will not correct my credit report. 
Solution : Synchrony- Tell me who you mailed card # XXXX to. 
And where you came up with a {$30.00} credit to transfer to the card # XXXX from a {$0.00} balance on card # XXXX that was closed. 
Stop fraudulently opening cards in my name. 
Stop ignoring me, as you have my phone number, e-mail, and address. 
Fix our credit report. 
Documents : E-mail from Synchrony re : lost card XXXX XX/XX/XXXX XXXX XX/XX/XXXX card # XXXX XXXX XX/XX/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 2024-01-29 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: IL

Complaint narrative:
Cease Unauthorized Inquires and Rectify Violations

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