vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: IA

Complaint narrative:
On XX/XX/2023, I won an American Express prepaid gift card for {$50.00} through a game offered by the XXXX  XXXX. The XXXX  XXXX has mostly awarded XXXX prepaid gift cards through this game, and those have always worked fine. The American Express cards have always been trickierif I wanted to buy an XXXX gift card, for instance, I'd need to spend less than the full {$50.00}. But now the American Express card won't work anywhere I try it : XXXX, XXXX, XXXX, XXXX, XXXX, etc. When I call them, they cite " security '' as a reason the card won't work on XXXX. But XXXX is America 's largest online retailer by some margin. American Express says on its website that cards " may be used virtually anywhere in the U.S. that accept American Express Cards. '' A reasonable consumer would certainly expect this to include XXXX, let alone XXXX, XXXX, XXXX, and XXXX. I would like them to just send me the moneyI have already spent more than {$50.00} worth of time addressing the problem but I imagine they are just sitting there happily collecting interest based on other people 's money that they have made difficult to access in the name of " security. '' ( Their customer service hotline even includes an unusual exercise in the name of " security, '' where you have to push the correct number. This is not a something legitimate financial services providers do when you call their customer service numbers. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I pulled my credit reports and found a person named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has been using my social security information or credit on the dark web!!! I want this to be investigated and I want this information to be removed Along with the things hes applied for using my information and I want him persecuted to THE FULL EXTENT OF THE LAW!!! 
He has stole my information for credit gain purposes and need the negative information with the companies and collections hes imposed on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, TransUnion who are furnishing inaccurate and unverified information on my consumer report. 

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXXXXXX XXXX XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. TransUnion the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT XXXX  TransUnion has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-09-13 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: IL

Complaint narrative:
I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. Upon reviewing my credit report, I have identified the following inquiries that I did not initiate or authorize : 1. Inquiry from XXXX on XX/XX/2023. 
2. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
3. Inquiry from XXXXXXXX XXXX XXXX  XXXX XXXX on XX/XX/2023. 
4. Inquiry from XXXX XXXXXXXX on XX/XX/2023. 
5. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
6. Inquiry from XXXX XXXX on XX/XX/2023. 
7. Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/2023. 
8. Inquiry from XXXX XXXX on XX/XX/2023. 
9. Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. Therefore, I kindly request that Equifax promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. Should these inquiries be found to be unauthorized, I request their immediate removal from my credit report. 

Furthermore, in accordance with the FCRA, I would appreciate receiving a free copy of my updated credit report once the investigation is completed. 

I understand that under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute letter. I anticipate receiving a written response from Equifax regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: KY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX file number XXXX and 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
I received a notice from this company, I have never even heard of nor know what this is about, I have requested validation and nothing has been received. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX RECENTLY SENT ME INFORMATION IN REGARDS TO ACCOUNT THEY CLAIM THEY PROVIDED FUNDING TO ME BUT I NEVER RECEIVED ANY LOAN FROM THEM. I REQUESTED THE TRUE BILL OF SALE, REPOSESSION AND INVESTIGATION ORDERS, LOAN DISCLOSURES AND IF THE ACCOUNT IS REPORTING AS CHARGED OFF, THE PROPER TAX FILING THAT DEBTOR/RECEIPIENT IS SUPPOSE TO RECEIVE FOR TAX PURPOSES, AS ACCORDING TO THE IRS WHO IS AUTHORIZED TO ENFORCE TAX LAWS. TD AUTO FINANCE HAS FAILED TO PROVIDE THESE DOCUMENTS TO ME VERIFYING THE ACCOUNT CHARGE OFF STATUS. THE INFORMATION THEY ARE REPORTING TO THE CREDIT BUREAUS DOES NOT MATCH THE INFORMATION THEY SHARED NOR ANY CONTRACT I SIGNED. ONLY CONTRACT I HAVE STATES XXXX TERM FOR MONTHLY PAYMENT OF XXXX NOT XXXX  MONTHS AT XXXX. THEY CHANGED THE CONTRACT WITHOUT MY PERMISSION OR KNOWLEDGE AND FORGED MY INITIALS ON THE ITEMIZED PORTION OF THE DOCUMENT. 
I HAVE FILED AN FTC REPORT AND WILL BE FILING FORM XXXX WITH THE IRS TO REQUEST AN AUDIT OF THE ACCOUNT. THE CONTRACTS CLEARLY HAVE BEEN ALTERED AND THEY ARE NOT PROVIDED THE TRUE BILL OF SALE, PROOF OF FUNDING, INVESTIFATION REPOSSESSION ORDERS AND TAX FILINGS. 
I WILL ALSO BE FILING A COMPLAINT WITH THE SECURITIES & EXCHANCGE COMMISSION FOR SECURITIES FRAUD. THE ACCOUNT IS NOW IN DISPUTE STATUS AND SHOULD NOT BE REPORTING IF IT DOES NOT MATCH THE TERMS EXPRESSED IN THE ORIGINAL CONTRACT, THAT IS FRAUD. 
THEY ALSO STATED THEY CHARGED OFF THE ACCOUNT, IF THEY DID THEY SHOULD BE PROVIDING THE TAX DOCUMENTS SHOWING THIS. IF THE ACCOUNT IS CHARGED OFF AT THE AMOUNT STATED IN THE LETTER THEY SENT ME HOW IS THERE AN AMOUNT ACCRUING EACH MONTH? IF THERE IS NO MONTHLY PAYMENT DUE AS YOU ARE REPORTING TO THE CREDIT BUREAUS HOW IS THERE AN AMOUNT ACCRUING? 

SENT LETTER TO WELLS FARGO INDENTURED TRUSTEE XXXX XXXX XXXX, THEY ARE ALSO RESPONSIBLE AND LIABLE FOR THE FRAUD THAT IS HAPPENING.

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 2023-09-13 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:
This is not mine. 

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 2023-09-13 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Made an inquiry on my credit report on XXXX, XXXX, and XX/XX/2022. I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: LA

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: LA

Complaint narrative:
Incorrect information 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 explanation
Consumer complaint received 2023-09-13 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: FL

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

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 2023-09-13 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:
I wrote Equifax back in XXXXXXXX XXXX XXXX requesting that the accounts be verified. Equifax responded stating they investigated and the account were accurate and updated. After further investigation I discovered that the accounts are not reporting accurate information. Equifax did not investigate yet the incorrect information is still being reported. I wrote an affidavit of truth swearing under the penalty of perjury that the information being reported is not correct. I have exhibits backing my claim and I also wrote a letter describing the inconsistencies I found along with exhibits to back my claims. I also sent an invoice for the federal violations that I would like to be compensated for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
What happened is Ive been accused of someone saying I stole XXXX dollars from them, claiming they never got a bike helmet when I have no idea what that person is talking about, I was sending and receiving money from a associate from XXXX and that person send XXXX I send my associate the amount he splits and stuff like that and then few months ago I get reported for XXXX dollars when I didnt do nothing and I issued a refund to that person and nothing happens after this is not my debt bc I dont have that money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an email stating that my credit card was successfully approved and my phone number and address was updated. This credit card was not requested by me. 
The credit card is a Chase Sapphire ( {$18000.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2023-09-13 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: TN

Complaint narrative:
I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: SC

Complaint narrative:
CarMax involved abusive debt collections practices but has not rectified it and I have recorded audio files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/23 we ordered XXXX XXXX  dog collars from XXXX XXXX. It was delivered the next day to the wrong home. That home was cream colored and our home is XXXX. We alerted XXXX XXXX within XXXX minutes of the delivery it was the wrong home. We have contacted Comenity multiple times through their secure message center and the phone weeks ago. We were contacting XXXX directly as well. XXXX XXXX  agreed to the refund of {$110.00} and stated through email it cleared their account, but Comenity XXXX XXXX is claiming they did not receive it XXXX XXXX refund. I even sent them proof XXXX XXXX claimed they refunded the full amount for the undelivered item weeks ago. 

I opened a dispute XX/XX/23 and have received a letter stating they need more information to determine my exact concern, but we have told them many times now. They told me to send them a message in their secure message center to explain by a deadline. I have tried to send 2 messages last week through that system and today - both claim there is an error and will not go through so I cant reach them by their time listed I need to contact them. This is very concerning to me.

I dont understand the hang up when the company we purchased from ( XXXX XXXX ) agreed to the refund and sent a refund to Comenity that they will not credit my credit card account for. We need XXXX XXXX to credit our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 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: CA

Complaint narrative:
I contacted and disputed the date to remove negative information on my credit report several times and Experian will not change the date. Experian has the information that the last missed payment on my account with XXXX was XX/XX/XXXX. The date to remove this information, the reporting date should be XX/XX/XXXX. They are reporting the date to remove as XX/XX/XXXX, even though they have record of my last missed payment in XX/XX/XXXX. 

Under the provisions of the Fair Credit Reporting Act, How long will the charge-off stay on credit reports? Similar to late payments and other information on your credit reports that's considered negative, a charged-off account will remain on credit reports up to seven years from the date of the first missed or late payment on the charged-off account. 

Charge Off FAQs | 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 2023-09-13 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: SC

Complaint narrative:
This is not mine. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
An account was opened at Sunrise Credit in XX/XX/2022. I did not open this account. When I saw Sunrise Credit on my credit report I immediately contacted XXXX they stated that I was a victim of identify theft/Fraud and I should contact the credit bureaus to report a identity theft/Fraud incident. XXXX XXXX Sunrise has never contacted me about any type of account that I owed. This is not an account that I opened. I disputed this account with XXXX and with Sunrise. XXXX continues to report that Sunrise has verified that this account belongs to me after I disputed it three times.

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