vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These items do not belong to me nor did I complete any of these transactions : XXXX XXXX Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX  | Account # : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX | Account # : 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
On XX/XX/22 I Contacted Transunion By Phone And Spoke With A Transunion Representative Failed To Provide Me The Consumer Accurate Information Inside My Credit File. Violation1 Secondly, Transunion Representaive Was Rude And Sacastic And Refuse To Anser My Question As Consumer. 2nd Violation 3rd Transunion Representative Intentionally And Willfully Hung Up The Phone In My Face Faking As If She Couldn't Hear Me. The Call Ended. It Was Not A Bad Signal. I Have A Witness! Transunion Has Failed To Provide Me Verifiable Proof of The Original Creditor Signiture. Transunion violated 15 U.S.C 1681 ( a ) ( 1 ) ( 2 ) 15 U.S.C. 609 ( a ) ( b ) 12 C.F.R.1692 ( a ) ( b ). I Have Reason To Beleive Criminal Activity Is TAKING place Inside Transunion Concerning My Information. Fraud, 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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XXXX I received an invitation from American Express to upgrade my existing account to a new card with better benefits. I called the number on the invitation and was routed to XXXX. The rep who spoke with a heavy accent asked many personal questions in order to set up the new account. After about 15 minutes the rep asked if I wanted an additional card for my wife. My wife said yes so we answered more questions. I asked if my wife 's credit would show an inquiry and the rep said no. After another 5 to 10 minutes the rep said my wife was approved. I asked when we will receive our cards and he stated only my wife is getting a card. I asked him what is he talking about. He said he did not process my upgrade but did add another card for my wife to my existing account. She already had a card on my existing account. There was clearly a lack of communication. I asked to speak to his superior and was put on hold for over 5 minutes. He came back on the line and said np supervisors were available. I hung up and called a different rep and asked to speak to a supervisor. I was put on hold again for five minutes and then told no one was available. A few hours later I was able to speak to an English-speaking rep in America and told the rep my story. She told me the XXXX rep had not processed my upgrade, the reason for my original call, and had added another card to my existing account. I asked the rep why my wife needs two cards for one account. She said she would cancel the card that was opened in error. What do you think happened? She canceled BOTH of my wife 's cards. So, to recap, not only did they not act on my original request but they canceled all of my wife 's cards on the existing account. I called back and asked for a supervisor to call me to discuss the problem. No one has returned my call from American Express. They also put an inquiry on my wife 's credit report after telling me it would not be affected since it was my account and I would be responsible for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/22 I spoke with a rep at each of the following companies, Experian, XXXX, and XXXX about the possibility that they were reporting fraudulent accounts on my consumer file. I pleaded with them to remove these accounts as I had no knowledge or information on where these accounts came from. I was told by all 3 companies that I needed documentation and to fill out an FTC report. I did just that and sent my letters via certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my report and were somehow verified even though they are not mine. I am extremely confused and frustrated over this because my family and I are trying to buy a house and this situation is keeping us from being able to do so. I called all 3 companies again on XX/XX/22, asking how they somehow proved that these accounts were mine but they only told me to contact the creditors directly and that they couldnt do anything else to help me. I tried contacting all the creditors that were fraudulently reporting on the consumer file, and without any surprise they had no knowledge of me or the accounts either. I am not sure what else to do and after researching online I came across the CFPB website that some friends of mine told me would help me with my situation. I really hope this helps because my family and I desperately need this house we are trying to apply for.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: WV

Complaint narrative:
I was issued a pay card by my HR department through USBank Focus pay card. My card was deactivated on XX/XX/XXXX, for an unknown reason. When I contacted the company on XX/XX/XXXX to inquire why my card was rejected when trying to pay my car payment, they stated that it had been deactivated on the above date. I asked why and they were unable to provide me a reason and stated they would look into the issue and it would be resolved. I attempted again to pay a bill on XX/XX/XXXX and it was again rejected. I contacted the company on XX/XX/XXXX and was told to fax a valid photo ID to verify the card and the issue would be resolved in 1 business day, which I did. Today, XX/XX/XXXX, the card is still unable to be used and when I contacted the company they were unable to tell me if the fax of my ID was ever received and stated it would be about 5 business days after they receive the ID to process the complaint and fix the card. They have had almost 2 full weeks to fix the card and have yet to do so or are unable to provide me with any answers when I call to inquire about the situation. I am completely unable to use the card and my checks are direct deposited onto the card.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: OH

Complaint narrative:
I have been trying to get Self financial off of my Credit Report for 2 Months with no luck except with XXXX who deleted it. XXXX displays SBNASELFLNDR saying that it's under collection or Closed. I reported identity theft months ago regarding this and also sent the report more than once to the right email I know it's right. The second account is the same this but trying to get me to pay under another bureau and it's called XXXX who I also told this was identity theft and sent the documents. This has been a stress and caused me to miss work and emotionally been crushing me having to complete a process over and over. I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My Amex card. 
On XX/XX/2022 i accepted and Amex offer for purchasing XXXX, i purchased it for {$100.00}, Amex was supposed to give me a 40 % refund but instead said they would not because i went through a third party for payment XXXX XXXX XXXX  ). even though XXXXXXXX XXXX goes to my Amex card and i paid the total amount charged to my card. i called Amex to complain and file a complaint, they would not take the complaint and said they thanked me for my feedback. it took over 30 minutes to convince them to file a complaint, and they wouldnt even give me a complaint number until i raised issue with it. They were trying to tell me it was feedback not a complaint. 

complaint number XXXX, if this is an actual complaint number for all i know the manager/supervisor may have just made it up to get me off the phone.

i claim misleading advertising because Amex should have provided a link that allows you to pay them directly, it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A Capital One Walmart card was fraudulently opened without my knowing on XX/XX/2022. This credit card account has negatively affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: GA

Complaint narrative:
In response to Drivetime, Drivetime is listed as inquiry not a hard inquiry on my credit report! Hard inquiry means I would have given them permisson but since this matter is not a hard hard inquiry but a soft inquiry that still means Drivetime still unlawfully obtaining my credit report without my permisson! I have never applied for any financing or inquires for drivetime because I never had need for a car! I never went to drivetime website to fill out any application with Drivetime. And I will not be sending my personal information to Drivetime or any company that I have never had any contracts with! this is fraudulent. Drivetime stating I gave authorized which I did not and they have no proof that I did which I did not give them consent! Drivetime did not do investigating. I have never filed out any information with them or click any boxes to have my information on my consumer report pulled. DRIVERIME this is in violation of FCRA and lying stating that gave permisson which I do not. Drivetime purposely pulled my credit with out my consent. Please be aware I will filed a commercial Lien on your company if you do not comply to my demand

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