vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting a inquiry on my credit report XXXX XXXX without my permission

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 2023-11-14 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: TX

Complaint narrative:
15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party. 

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. 
The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. 
The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option. 
Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-14 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: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NJ

Complaint narrative:
I was advised by a transunion and XXXX representative to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing this letter to register a formal complaint against Vio Bank ( a division of MidFirst Bank ). I have applied online for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and received an automatic denial to open this account. When I contacted Vio Banks customer service at XXXX, I was informed that they could not tell me the reason why my application to open a savings account was denied. I have excellent credit and banking history and large account balances in my current banks, so there is no legitimate financial reason to deny my application because I am not a high-risk customer. 
Furthermore, the bank refused to give me a reason why they denied my application for this account. So basically, I received a denial without any reason for this denial. I believe that this denial decision by Vio Bank was based on illegal discriminating against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX like myself. 
Please investigate this situation for the following reasons : 1 ) The bank needs to provide a reason for a denial to open a savings account. They stated that they do not have a reason for this denial. If this decision was based on any financial factors such as XXXX they need to issue an adverse action notice and let me know the reason for this denial. 
2 ) I believe this was a case of illegal discrimination against a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
3 ) I have an excellent credit and XXXX banking history, high account balances with other banks, and I never bounced a single check in my life. 
So I believe that Vio bank had to make their denial decision due to illegal discrimination based on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please let me know if you have any additional questions. I can be reached at XXXX XXXX XXXX I believe Vio Bank denied me because of illegal discrimination against me and this situation has to be addressed. 

Thank you, XXXXXXXX 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 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I would like these inquiries deleted because I did not authorize any of these companies to run my credit via written nor verbal.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX  a transfer I did not authorize appeared on two accounts marked XXXX XXXX XXXX XXXX that was not showing either XXXX XXXX XXXX when I checked my accounts. One {$3000.00} and one {$10000.00}. I do not allow my account to be overdrawn. I require two way confirmation when signing in. I require the bank notify if a new device accesses my account and when a new account transfer account is added. USAA did none of these things when they allowed a scammer to transfer these high dolor amounts of funds without notifying me. They used my daughters social security check towards this deficit as well as withdrew without my permission funds of about {$650.00} from the new account I made free from fraud towards the fraud account in a deficit. They also told me the investigation would take 9-10 days on obviously fraud transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I want to file this please as my formal complaint to CARRINGTON MORTGAGE for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My credit card provider is Barclaysa XXXX sponsored by JetBlue. I recently paid my monthly statement ( due XX/XX/ ) in full ( via check enclosing Barclays voucher coupon ). Instead of crediting my account, Barclays erroneously credited my wifes credit card account ( she too has a Barclays XXXX ). Im now accruing interest and being warned I have an overdue debt. A call to Barclays customer service on XX/XX/XXXX ( case # XXXX ) supposedly resolved the issuebut it didnt. I called customer service again today, XX/XX/XXXX, when Barclays sent me a new statement still showing a past due amount. Customer service did not take my proffered case # from XX/XX/XXXX. Rather, I was put through the same song and dance with the new information that Barclays mistake could take up to two billing cycles to be resolved. Meanwhile, I cant use my credit card ( unless I make a paymentagain ), I continue to accrue interest and Barclays continues to demand payment of the amount supposedly under review by them. I asked whether in paying my next statement I should deduct my prior payment and any interest charges, but customer service seemed incapable of answering my question.

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 2023-11-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. FAIR COLLECTIONS AND OUT XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. FAIR COLLECTIONS AND OUT XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed 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 explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
In XX/XX/XXXX, I received a plastic American Express Prepaid Management gift card valued at {$75.00}. 
I stored it in a safe place at home. 

On XX/XX/XXXX, I checked the gift card 's status online at : XXXX XXXX XXXX XXXX XXXX I saw an unauthorized charge for {$65.00} that appeared to take place XX/XX/XXXX to XXXX XXXX. 

I called American Express Gift Card customer service ( XXXX ) to report the fraudulent use of the gift card. I noted that the card states it is replaceable if lost or stolen. 

A customer service agent said she could not do anything about the charge ; she referred me to XXXX. 

I asked her if she will report the fraud to authorities ; she said she would report it internally. 

I called XXXX ; a XXXX customer service agent said she could not find any record of the charge and referred me to XXXX to file a complaint. 

Neither American Express Prepaid Gift Card Management nor XXXX resolved my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 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:
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 XXXXXXXX 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 2023-11-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Card was locked and replacement issued, account flagged, but I was told even though the were certain I did not make the purchases, I could not be reimbursed because they had already delivered the product. 
Spoke with Customer Service, was told the card would be locked, and a new one issued. They said I should call the companies that sold the product for a refund. 

XXXX XXXX XXXX {$46.00}, XX/XX/23 {$41.00}, XX/XX/23 {$47.00}, XX/XX/23 {$34.00} {$3.00} Service charges. 
Handled by Customer Service Rep : XXXX. Card used flagged as fraud. 

XXXX XX/XX/23 {$77.00}, {$90.00}, XX/XX/23 {$0.00}. {$2.00} service charges. 
Spoke with Customer Service Rep : XXXX, she opened a service request : XXXX, and suggested I report the activity because the Debit Card company was responsible for returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
There's been multiple issues regarding my student loans. Overall student loan debt and amount stated to be owed to AES is incorrect. After numerous requests were made and documentation was repeatedly submitted to AES. It is an issue I have been trying to resolve with AES since 2007. After finding out AES obtained my student loans, and they were assigned to them as my servicer ; AES was repeatedly informed numerous times there were serious issues prior to student loans being transferred to them via XXXX. AES was informed while I was discussing all of these issues with Xpress, I found XXXX immediately and abruptly transferred student loans to AES. I did not know who the servicer was? XXXX explained wait for the servicer to reach out to me and give transfer of loans time to process. There was nothing they could do because the loans were transferred from XXXX to AES already. The same and following information was then provided to AES when I found out my loans were transferred to them. Student Loans that were transferred to them were previously cancelled and funds were returned back to XXXX XXXX. Funds that were returned and deposited to XXXX XXXX XXXX checking accounts also belonged to XXXX XXXX. I also submitted actual loan applications that were altered with amounts that were changed with consolidation. Both XXXX XXXX and US Dept. of Education confirmed accuracies of student loans amount in detailed letter upon my further request for investigation. This documentation is attached. This verification was also provided to both AES and PHEAA guarantor countless times. Request for promissory notes that returned they were lost also attached. Both AES and PHEAA ignored all of my complaints, concerns, this documentation and repeated calls, faxes and documentation even mailed, documentation was also sent I uploaded to AES via email to them through my AES online account regarding problems with initial consolidation, cancelled loans and funds returned back to XXXX XXXX. All the issues surrounding my student loans were repeatedly explained over and over again since XXXX. Still no response, follow up nor communication regarding factual information that was sent to both AES and PHEAA. How is AES allowed to uphold inaccurate amounts, ignore official documentation repeatedly submitted to them proving inaccuracies, uphold fraudulent amounts on altered documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Auto Credit
State: CA

Complaint narrative:
XXXX XXXX XXXX a third party debt collector posted a balance of {$7600.00} on XX/XX/XXXX and which had been updated to {$8100.00}! I was not informed that I owed them and that I was obligated to pay them money or that my potential debt was taken over by them, I asked them for an accurate check of the debt and balance to make sure that it was mine and that the correct balance was mine and never got either! They reaged this supposed debt so that it can effect my credit without even given me notice or a chance to go over it with them and possibly pay. Numerous of my dispute letters have not been answered back and I feel its attempt to show that Im not compliant and to get me to pay a outrageous debt by default hoping that I dont perform the steps necessary in order to settle this matter. I called the original debtor to confirm balance owed in which they wrote it off and charged it off, before this debt collector baught it and the balance when it was wrote off was not near but the third party is trying to allege.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, Equifax and XXXX blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX and Experian blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing 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