vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: KS

Complaint narrative:
I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required that was asked and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. These accounts have been deleted from my other consumer reports such as XXXX and XXXX. I will include proof below. According to the FCRA, Transunion is required to delete them as well. I have sent an FTC Identity theft report to Transunion proving the accounts are fraudulent which was also asked for. According to the FCRA, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. This has caused emotional distress and damage and also has caused damage to my reputation. I am asking Transunion to provide a copy of my consumer report showing the items deleted during the 30 day investigation and also proving they are complying with the FCRA. I am also asking Transunion to provide the name and direct contact information of the persons they will interview to verify the information the information on my consumer report they have refused to delete.

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 2023-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Based on the marketing of American Express, I now have Amex gift cards with {$200.00} each on them and I can not use them anywhere. AMEX is illegally keeping my money from me. They engaged in false advertising to mislead consumers into getting these cards with the promise of being able to use them universally, which is patently false. I can not find a single retailer to accept my gift cards as payment. They are universally declined. I have spent multiple hours speaking with agents on this issue and have only been told that the card can be used anywhere. Further to my dismay, I was told that the website on the back of the card provided to check your balance may or not be a fraudulent website so to not trust that either. These cards need to be discontinued as they are falsely advertised and do not function as viable commercial substance. The never-ending list of companies that will not accept these cards as payment include XXXX XXXX  such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. AMEX simply gets to hold onto the funds illegally by having a product that can not be functionally used. This is totally unacceptable business practice and needs to be dealt with accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 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:
Experian has shared in my information without my written instructions committing identity theft

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 2023-10-02 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: MA

Complaint narrative:
I don't want this on my report, it hurts my credit history and it's not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-02 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: OH

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXr # XXXXXXXX XXXX XXXX  # XXXX XXXXXXXX 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

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 2023-10-02 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: NY

Complaint narrative:
Transunion has obtained my information without my written instructions and has no legal authority under the fcra to create consumer report on behalf and share my information

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 2023-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I am trying to use my XXXX debit card to make a purchase. It denies my purchase. I have the funds to cover it. I call and ask why. They tell me its not at an approved location. No one ever told me I can use my funds only at approved locations. Then they tell me it is frozen for XXXX hours. Then I reluctantly have to wait the XXXX hours. I try to use it after the XXXX hours ant what is supposed to be an approved location and it denies again. I call again and I get the same XXXX  and XXXX  XXXX. Over and over I can not access my money and they keep telling me I need to wait another XXXX hours. Its been over XXXX hours and I still cant use my money and they keep XXXX XXXX with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
LOBEL FINANCIAL is still violating my rights as the consumer by not giving me my refund as pursuant to the US codes or as i demanded in my letter they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
I checked my credit reports last week. XXXX and XXXX are reporting accurate information. Equifax is not reporting any of my information, but instead someone else 's. I have contacted Equifax several times about it and they keep telling me they see my information. However, I keep telling them I am looking at someone else SSN and even gave it to them. 

Now this other person 's credit report is being pulled whenever I apply for something and I have been denied housing because of this. I am at the brink of homelessness, due to the negligence. I have submitted documents online to prove that this was not me, however, they have done nothing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from 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 2023-10-02 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: CA

Complaint narrative:
I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous XXXX Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Miscellaneous Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : Miscellaneous

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 2023-10-02 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:
I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Requested validation of the debt, the collectors refused to send it in three phone calls with four different representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
i received a gift card, didn't use it for XXXX months opened it up and the numbers are scratched off and the back info is missing info. they used glue to cover numbers up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was charged {$890.00} fraudulently by XXXX XXXX XXXX XXXX XXXX XXXX  ) via my Chime Account. I was told I would get a refund that didnt happen. Then I was told a month ago to wait 10 days for a provisional credit and that didnt happen. I spoke to a Supervisor and they said to wait again until XX/XX/29 another 10 days and that didnt happen. I spoke to another Supervisor on XX/XX/29 and they said wait until Monday, today. That didnt happen again. I want my money that was stolen out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
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 I don't want this on my report, it hurts my credit history and it's 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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
i applied for card and was told i couldnt get credit card unless i gave a letter from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
Experian has no written instructions to share my information and has committed identity theft from sharing my information and obtaining my information no in accordance to the requirement of the FCRA

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 2023-10-02 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: NY

Complaint narrative:
Transunion has not received written instruction to furnish a consumer report on my behalf in doing so Transunion is actively committing identity theft

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 2023-10-02 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: NY

Complaint narrative:
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 I don't want this on my report, it hurts my credit history and it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
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 XXXXXXXX I don't want this on my report, it hurts my credit history and it's 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 2023-10-02 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: NY

Complaint narrative:
This is XXXX XXXX with new & updated information about my previous complaint XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath 28 USC 1746 ). I am demanding that all report-ing to all consumer reporting agencies- ( XXXX, XXXX XXXX Experian ) cease 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I Requested the closure of XXXX saving account on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXXoodwill ask to removal and trying to dispute, but XXXX refuse delete that false info

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I Requested the closure of XXXX saving account on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with Goodwill ask to removal and trying to dispute, but XXXX refuse delete that false info

Company response to consumer: Closed with explanation