vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: VA

Complaint narrative:
I have tried to use my American Express gift card for {$500.00} at XXXX, XXXX, XXXX and more and the card does NOT go through anywhere. I have been trying to use it for the past two years and gotten nowhere. Its getting extremely frustrating and I feel like I will never be able to use the card anywhere ever. I have checked the balance and the full amount is still available, just completely inaccessible. I just want to be able to use the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: KY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: KY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: KY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The items LISTED below should all be removed & blocked from my credit report under 15 US Code 1681i ( 6 ) as it has been over XXXX  days and you failed to comply.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2023 I sent feedback to my complaint # XXXX that was originally filed on XX/XX/2023. I received no response to my questions on XX/XX/2023 regarding your response on XX/XX/2023. Here are my questions from the complaint # above. 

Thank you XXXX XXXX XXXX for your response to my questions. In your 4th through 6th paragraph you state that there are multiple reasons why my deposits won't post as a credit to my account. I have a few questions about those reasons. 1. In your 4th paragraph you state that a stop payment could effect this. I can understand if Synchrony was receiving a paper check by mail because those take many days. But this payment is processed through electronic payment from one bank to another and as you can see from my attachments it happens within a few days. Also XXXX policy states that it can not stop payment on a payment after its been paid. You can see this in the " Stop payment of checks '' section in the link provided below. I believe that since the payment shows up in my XXXX XXXX account XXXX can not stop this payment and this first reason is not valid reason not to post it as a credit to my account. https : XXXX? XXXX XXXX. You also state that a " large number of payments made within a specific time period '' could cause this to happen. Could you please specifically explain your definition of a large payment, and how you calculate that large payment when it relates to my account. Also could you please explain what specific time period you are referring to. I make one sometimes two payments a month. Does two payments in a 30 day period cause this? If so could you please tell me what amount and time period I should be paying to keep this from happening in the future. 3. You state, " previous returned checks '' I have never had any returned checks. Please let me know if this could be a reason. 4. " Payments on new accounts '' please explain what a new account is and if I fall under this category. If I do could you please give me a time period when my account is no longer considered a new account. 5. " Out of pattern payments '' please explain Synchrony 's definition of out of pattern payments. As stated above I will usually make XXXX, possibly XXXX payment a month. I pay on or around the XXXX of the month and maybe XXXX in the middle of the month to bring my available credit back up. 6. " Amount of payment '' please explain what dollar amount of payment is considered large in my situation. I know you may not be able to give me the specific answers to my questions. If not I would greatly appreciate it if you could escalate it to someone that can answer them so we can get this handled and so I can make an educated decision how to handle this account. Thank you for your 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 explanation
Consumer complaint received 2023-12-22 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 inquiries that are reported on my credit report that I never gave consent to. These is a violation of my rights to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: PA

Complaint narrative:
This is XXXX XXXX XXXX please do 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 2023-12-22 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:
According to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Equifax are all consumer reporting agencies and I am the Consumer.

These agencies have failed to do so and have violated my federally protected consumer rights to privacy and confidentiality by publicly furnishing the below charged off accounts on my credit report and selling/communicating my nonpublic personal information to a nonaffiliated third parties without my written instructions. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$9700.00} ) XXXX BANK - XX/XX/XXXX ( {$2600.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX, and XXXX are all consumer reporting agencies and I am the Consumer.

These agencies have failed to do so and have violated my federally protected consumer rights to privacy and confidentiality by publicly furnishing the below charged off accounts on my credit report and selling/communicating my nonpublic personal information to a nonaffiliated third parties without my written instructions. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$9700.00} ) XXXX BANK - XX/XX/XXXX ( {$2600.00} )

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 2023-12-22 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: FL

Complaint narrative:
This is XXXX XXXX please do 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 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
a southern finance called me and doing further research i learned they are involved with a Covington credit who is reporting errors on my credit report convington credit was told not to contact me or any of my so call references but yet you guys call me a couple days ago my lawyers will be in touch like i told you times before i have nothing for you people and also stop sending my information to other people i have people in texas emailing my ex wife on XXXX saying they are receiving my mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023, I received a text alert at XXXX XXXX  : Free My Best Buy Citi Fraud Msg. XXXX XXXX Did you attempt a charge at XXXX XXXX on XXXX? XXXX, XXXX. Reply STOP to Opt-Out. I immediately texted XXXX for NO. Then, I received another message from the same source thanking me for the response and providing the number for a Fraud Dispute. I then spoke to XXXX separate representatives indicating VERY CLEARLY that I was at home and had not used the card for any purchases. 

The XXXX charges are : 1. XX/XX/XXXX for {$1200.00} XXXX. XX/XX/XXXX for {$100.00} I have called the company various times, I have spoken to various representatives, and they all give me false information about the fraudulent charges. Some of their representatives say these were online charges. Another representative - " XXXX '' - says that the Best Buy representatives gave me false information because the main purchase of {$1200.00} was purchased inside the the store. 

I HAVE ASKED REPEATEDLY FOR A RECEIPT OF THIS FRAUDULENT PURCHASE, BUT THEY CAN NOT OR WILL NOT SEND ME A RECEIPT. THEY HAVE PROVIDED ABSOLUTELY NO PROOF THAT I MADE THIS PURCHASE. THEY HAVE ARBITRARILY CHARGED MY ACCOUNT AND HAVE DECIDED THAT THEY DO NOT NEED TO PROVIDE ME WITH ANY PROOF OF PURCHASE. THE LAST TIME I COMPLAINED THEY SAID THEY WERE ATTACHING THE RECEIPT TO THEIR RESPONSE. HOWEVER, THE ATTACHMENT WAS JUST A STUPID COMPANY LOGO IMAGE - NOT A RECEIPT. I HAVE SPOKEN TO " XXXX '' WHO ASSURED ME I WOULD GET A RECEIPT FOR THIS FRAUDULENT PURCHASE, BUT SHE NEVER SENT ME ANY PROOF. 

I WANT PROOF THAT I MADE THIS PURCHASE, BUT THEY JUST WANT TO CHARGE MY ACCOUNT WITHOUT ANY PROOF WHATSOEVER! 

I DEMAND A RECEIPT PROVING THAT I MADE THIS PURCHASE!

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 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NV

Complaint narrative:
You are reporting the accounts as derogatory/charge off when it is in good payment status. This account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NV

Complaint narrative:
Despite consistently making on-time payments, this account is reflecting negatively with a late payment status. I discovered multiple billing errors that violate the provisions outlined in 15 U.S. Code 1666 ( b ) regarding billing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: TX

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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:
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : 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 2023-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
The XXXX debt has been deemed at Identity theft. This account was originally being collected by XXXX and I got a police report for it. Now this account has been sold to another debt collection company called Jefferson Capital. Im pretty sure that this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MD

Complaint narrative:
For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

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

Company response to consumer: Closed with explanation