vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received today, XXXX/XXXX/23 a complaint from the XXXX XXXX NJ XXXX about a suit filed by XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( Attorney ID XXXX ) on behalf of American Express National Bank- which is NOT the credit card issuer. 
I reached out to American Express on XXXX/XXXX/23 via phone # ( XXXX ) XXXX I have made all of my monthly payments to American Express via their account portal, the most recent on XX/XX/23. They have accepted ALL of my payments. 
In speaking with the first representative, " XXXX '' employee XXXX XXXX she stated that the account is now being handled by an outside company called " XXXX '' - this issue at hand - ( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( 2 ) American express can not tell us WHEN it was transferred ( 3 ) the complaint is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay, not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
I was transferred to another representative, XXXX 's supervisor supposedly. His name was " XXXX '', Employee ID " XXXX ''. XXXX reiterated that the account was transferred to an outside agency " XXXX '' and that we would have to speak to them. AGAIN...... explained to XXXX .... 
( 1 ) we have NEVER received any notification that the account had been transferred to an outside agency ( XXXX ) American express can not tell us WHEN it was transferred ( XXXX ) the complaint we received is from the NJ XXXX XXXX, filed by XXXX XXXX XXXX - " On behalf of American Express '' as the plaintiff for refusing to pay -not on behalf of an outside agency ( 4 ) we have consistently made our monthly payments directly to American Express on their website- and they accepted said payments! 
XXXX was extremely Rude, belligerent, and unprofessional when we questioned why ( a ) if transferred to an outside agency, why they " American Express '' is still accepting my payments. ( b ) why I was never sent any notification of the Transfer ( c ) why I'm receiving a complaint from the NJ XXXX with a filing from an attorney NOT representing said agency but instead, Representing American Express! he disconnected our call! 
I am simply asking for information, a paper trail - that American Express seems to either not want to provide, or can not! Can someone please assist. as the consumer, I hae a right to the correspondence. 
I then spoke to another customer service Representative, " XXXX '', XXXX ID XXXX and she again, reading from a script, no doubt - would not connect me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened on XX/XX/22 a XXXX XXXX  Account at PNC. I set up direct deposit and transferred money as per PNC stipulation in order to receive a promised {$400.00}. 
I checked via telephone numerous time and was assured by the PNC employees that I had qualified for the {$400.00}. I asked PNC to release my recorded conversations with PNC employees to verify this. This request was ignored. 

I requested from PNC to close the account and send the money. Instead, they opened up a new account transferring the money. It took PNC about 6 months to eventually cut a check to me for {$7400.00} which did not include the {$400.00} promised I am asking for the {$400.00} promised in the PNC promotion that I fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I called XXXX and spoke with a male representative. I had already closed my account and so I asked the representative how much I owed XXXX, and I was quoted XXXX dollars. I paid this amount in full and I have a proof to prove this claim which I will include in this report. I asked the representative if I would owe anything else after this charge as I did not want XXXX to report negatively on my credit report. He answered no and reassured me that that was the last and final charge. 

However, this was not the truth as on XXXX of XXXX, XXXX sent a debt of XXXX dollars to a collections agency. I want to once again repeat that I was given no notice that this debt was owed on XX/XX/XXXX when I explicitly asked, the debt amount was falsely reported to me by their representative. Not only this but XXXX made absolutely no attempts to notify me of this debt- not by phone call, not by email, not by letter. I did not find out about this debt until months later when I received a collections notice by a third party company they sent the debt over to known as McCarthy Burgess & Wolff. On XX/XX/XXXX I paid a total of XXXX dollars to McCarthy Burgess & Wolff. 

On XX/XX/XXXX I spoke to a McCarthy Burgees & Wolff representative who informed me in order to remove the collections from my credit report I would need to speak to XXXX. After many transfers I finally reached a manager at XXXX. I explained how the XXXX representative had misrepresented my debt and the manager indifferently informed me that XXXX and McCarthy Burgess & Wolff could do nothing for me to correct this error on their behalf ( that will now impact my credit score for years to come if not corrected ). I have had my rights violated : specially the fair debt collection act clause 807 that states that debt amounts can not be misrepresented to consumers. This needs to be resolved or I will take legal actions against both XXXX and McCarthy Burgess & Wolff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Hello. I have been contacted by phone several times by Creditors Bureau USA for medical debt. I have spoken to my insurance company more than once about this and they do not see a claim from California XXXX XXXX. I looked up California XXXX XXXX and both my health insurance and myself have not been able to connect with them ( only endlessly put on hold or call disconnects ). I do not know what the services are. It is all very vague and I have yet to receive anything in the mail re : this supposed debt. 

Thank you.

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 2023-02-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$380.00} XX/XX/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 2023-02-13 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: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 


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 2023-02-13 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: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 


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 2023-02-13 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXXn XXXX ) Fraudulent inquiry XXXX XXXX XXXX date of inquiry ( XXXX XXXX, 2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX date of inquiry ( XX/XX/XXXX ) XXXX XXXX  date of inquiry ( XX/XX/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 2023-02-13 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: TX

Complaint narrative:
XXXX, XXXX, and TransUnion have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion have made false investigations and continue to allow this legal account be reported 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 2023-02-13 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: TX

Complaint narrative:
Equifax, XXXX, and XXXX have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX  about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX Equifax XXXX XXXX, and XXXX have made false investigations and continue to allow this legal account be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC

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 2023-02-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX  My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$380.00} XX/XX/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 2023-02-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$380.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The payment history is inaccurate and the dates tagged as late also the balance were incorrect and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
I have been a victim of identity theft. My personal information to include my social security number, drivers license number, prior email address XXXX, and physical address was found on the Dark Web multiple times & my identity was also stolen by the XXXX XXXX XXXX XXXX XXXX in XXXX. At that time it was reported to the credit bureaus and XXXX police. 

To date Equifax has not removed the fraudulent account listed below or the fraudulent addresses link to it. I was asked by equifax to file an update police report and it has been attached along with required information for the dispute. This has been an ongoing issue and my next step is legal action. 

XXXX XXXX XXXX XXXX among {$1000.00} last reported & closed on XX/XX/XXXX Fraudulent address XXXX Park XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have recently reviewed my consumer report and noticed some unauthorized inquires & accounts on my report and my right have been VIOLATED. In pursuant to 15 USC 1681 section 602A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. None of the creditors complied with the gramm leach bliley act ( 15usc6802 ) i was never given the ability to opt out and my information was used without my permission which is identity theft. The hard inquiries & a few accounts on my report constitute being identity theft as well because the corporations that furnished them on my consumer report never had permissible purpose or written permission by me to even put them on my report. the permissible purpose law ( 15usc1681b ( A ) ( 2 ) & the GLBA have been violated which results in identity theft. 18usc1028 ( a ) ( 7 ) defines identity theft which is someone possessing, transferring or using a means of identification of another person unlawfully. Failure to comply with FCRA can cost anywhere from XXXX to {$1000.00} per violation, in addition to punitive damages determined by the courts. With that said, these companies has not only infringed my right to privacy but also violated multiple Federal Laws. I have also reported this to the Federal Trade Commission, reference # XXXX. Below will be a proper list of inquiry names with dates & accounts that I demand to be removed/deleted from my consumer report immediately! 

XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX, XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SERVI on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ACC # XXXX XXXX. XXXX XXXX ACC # XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ACC # XXXX

Company response to consumer: Closed with explanation