vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
I have implemented a security freeze on my credit file with all three bureaus. XXXX XXXX and XXXX have applied the freeze and are not a problem. However, Experian keeps removing the security freeze without my permission. They have done this at least six times since XX/XX/2023. Even when they have physically mailed the PIN required to lift the freeze to my house, they have still lifted the freeze based on a call from the fraudster. 

Further, Experian does not have a telephone number with which to reach a customer service person. Calling the toll-free number for fraud only allows for an automated system that does limited things. Further, when I reinstate the security freeze, the system sends the PIN required to unlock it to the email address on my account. However, since I deleted my account, the email address that Experian is sending the PIN to, must belong to the person stealing my identity. 

I have complained to Experian many, many times. They seem to not care. I believe that they are trying to force me into spending {$25.00} per month on their credit lock product. Their product does nothing different that the free security freeze. So i believe that by removing the freeze, they are pushing me to buy their {$300.00} per year product.

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 2023-10-07 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: CORELOGIC INC
State: TX

Complaint narrative:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX  compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original 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 explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Sense I have had the card payment do not post right away to my balance awed. So if for example my balance was XXXX and I make XXXX payment for 3-30 days before it shows XXXX balance owed. Every rep I speak with I get a different answer all they want to do is do the same troubleshooting on my phone after 20times maybe Apple Card should check their system. They want me to take time off of at my expense to trouble shoot my phone for their issue. I beleive this is a ploy to collect extra interest cause right now if I make a payment after the 15 th of the month there is an 80 percent chance Im paying interest cause it more than likely it will the same month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: WA

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.

This accounts and Inquiries 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 non-monetary relief
Consumer complaint received 2023-10-07 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: WA

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.

This accounts and Inquiries 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 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reached out to the company and told them that it wasn't me someone was using my infomation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
In XX/XX/XXXX, after filing XXXX  XXXX Bankruptcy in XX/XX/XXXX, I began my credit rebuild journey by opening a secured credit card with First National Bank of Omaha. At the time, they advertised that if you made your payments on time and managed the secured credit card accordingly, the card would graduate to an unsecured account after 11 months. 

XX/XX/XXXX will be three years that I have maintained good standing with this credit card account and it remains secured with my initial {$500.00} deposit from XXXX. I made several efforts in XXXX and XXXX to reach out to FNBO to inquire about the card being transitioned to unsecured and each time they stated that this is an automatic review process. 

Since I opened this card, I have paid off my bankruptcy early resulting in an early discharge. I've doubled my income and purchased two cars and a home. I have multiple unsecured credit lines with {$2000.00} to XXXX limits. I've paid off my FNBO card nearly every month, rarely carrying a balance to the next statement cycle. My account is on autopay to avoid late payments. Yet, I have this secured card with a very low limit hindering my credit profile. 

Unfortunately, because it is one of my oldest cards opened during my credit rebuild, closing the card will cause my score to go down. However, having the card sitting there is also not beneficial as we know when I open new credit accounts, higher limits beget other higher limits. It's a catch-22. 

I also find it concerning that FNBO has not requested my income during these automatic reviews. The income is an important piece of the review process and there is nowhere on the site that allows me to update it. How do you determine one 's full creditworthiness without the knowledge of their income? Whether or not they own their home? 

FNBO advertises that the card would graduate after 11 months ; however, that is the furthest from the truth. Additionally, they are now advertising that cardholders can qualify for additional credit limit increases after 7 months without having to send in an additional deposit. I am three years in with the same account and terms that I started with. In speaking to a customer service rep today, they are still claiming the card graduates in the 11-month timeframe. Had I known that was not the case, I wouldn't have wasted my time with FNBO and used one of the other many credit card companies that actually keep their promises and use a human to make decisions on the customers they supposedly value, not a machine.

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 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBM Services, Inc.
State: VT

Complaint narrative:
I had paid off my last debt in collections around {$640.00}. I have been trying to get the debt off my report. I have disputed it 3 times, and it wont come off. Called XXXX and they were no help getting it off. The debt agency was called XXXX XXXX XXXX. However, they permanently close. The debt has been paid to XXXX XXXX XXXX in full. But since XXXX XXXX XXXX closed down permanently, they can't take off the debt from report since they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Experian I am writing to dispute the following information that appears on my Experian consumer report : DisputXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Dispute XXXX XXXX Dispute XXXX XXXX Dispute XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX previous address XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX ( Fraudulent ) Source of dispute information : XXXX Type of disputed information : Unrecognized accounts, Unrecognized previous address. 
Dates associated with item being disputed : XXXXXXXX XXXX, opened XX/XX/XXXX. XXXX XXXXXXXX, opened XXXX, opened XX/XX/XXXX. XXXX, opened XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX, opened XX/XX/XXXX. 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question. 

Thank you for your assistance. 


Sincerely, 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 2023-10-07 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: NC

Complaint narrative:
I never provided Experian with consent or authorization to disclose pertinent information on my credit file reflecting inaccurate information. All in good faith and with full disclosure, this is a matter of importance that needs to be addressed immediately. 

As per 15 USC 1681s-2 ( 2 ) a -Duty to correct and update information - Late payments are considered transactions and experiences which have to be excluded from credit reporting, regardless of said company providing the information. 

Accounts with late payments : XXXXXXXX XXXX XXXX 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 2023-10-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-10-07 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: NC

Complaint narrative:
I was told that my credit file was merged with a man born on the same date and same first name as me. His child support information and XXXX XXXX information along with his address information is on my file. I need to make sure that this isn't causing garnishment from my income taxes. I have no children. There are several address information on my file and it has been causing issues, his mail has been coming to my resident. I need to know if I need an attorney.

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 2023-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: WA

Complaint narrative:
Walmart 2 walmart money service on XX/XX/2023 my aunt sent XXXX got my act # and they keep the money saying fraud only able for refund no other information was available and XX/XX/XXXX I was to receive XXXX and was told the same thing they keep the money on the refund for 48hrs then the sender can get the refund I called ria the company and they will not give any answers to y it's fraud I need answers my aunt is XXXX and shouldn't have to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Equifax I am writing to dispute the following information that appears on my XXXX  consumer report : 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 of dispute information : XXXX Type of disputed information : Unrecognized accounts, Unrecognized address, Inaccurate name Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: NV

Complaint narrative:
I XXXX XXXX recently reviewed my credit report and I found unauthorized number wrong accounts listed on records etc will be attached in files

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 2023-10-07 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: IL

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.

This accounts and Inquiries 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 2023-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
The customer 's complaint against TD Bank spans several key dates : XXXX XXXX XXXX XXXX The customer opened a TD Beyond Checking and a TD Signature Savings account based on specific advertisements promising fee waivers and account bonuses. 

XXXX XXXX XXXX  : The savings account was funded within the 20-day window as confirmed by a conversation with a TD representative. 

XXXX XXXX XXXX The customer surpassed the {$2500.00} direct deposit requirement for the checking account bonus, which was due by XXXX XXXX XXXX 

XXXX : TD bank charges fees against their terms of promotion and customer needs to make multiple calls to prove that the bank is not operating on the terms of agreement. 

XXXX XXXX XXXX XXXX  TD Bank had advertised that bonuses would be applied within 180 days from account opening. However, by this date, the customer had not received the promised bonuses. 

Subsequent days : The customer spent numerous hours on the phone with TD Bank representatives, including XXXX, who confirmed their eligibility for the bonuses and initiated a review process. 

Ongoing : TD Bank continued to delay the application of the bonuses, asking the customer to wait an additional 2-3 weeks despite prior confirmation of eligibility. 

In summary, the customer 's complaint highlights discrepancies between TD Bank 's advertised promotions and their actual implementation, spanning from XXXX XXXX XXXX XXXXXXXX XXXX  The delays in bonus payment and discrepancies in fee waivers led to extensive efforts by the customer to seek resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Inc
State: VT

Complaint narrative:
I had paid off my last debt in collections around {$640.00}. I have been trying to get the debt off my report. I have disputed it 3 times, and it wont come off. Called XXXX  and they were no help getting it off. The debt agency was called Asset Recovery Inc. However, they permanently close. The debt has been paid to XXXX XXXX XXXX in full. But since Asset Recovery Inc closed down permanently, they can't take off the debt from report since they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: FL

Complaint narrative:
I recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the matter.

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