vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit 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: CA

Complaint narrative:
I was offered a XXXX  % AMEX account on charges and balance transfers transfers for XXXX cycles. XXXX  months after the account was opened I saw the interest was raised to XXXX  %. 
I made XXXX calls until someone said, " Oh, because you had an open account with the company, ( an account I tried to close with a {$200.00} limit that I never used ) you were not eligible for the XXXX % offer. .... I had to ask, " Why did you open the account in the first place? 
No answer. ... I said I will pay the {$8400.00}, ( amt. without fees ) at XXXX % for the XXXX  months. 
My offer was never passed up to the decision makers. I was take advantage of by a company acting like a loan shark!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Hello, I was checking my XXXX, XXXX, and XXXX and the company credit acceptance corp, XXXX XXXX. Credit acceptance has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/year>. XXXX acceptance says paid off but also still updating information to potentially in the negative which is causing the score to be low.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
I opened a checking account with US bank in early XXXX via internet. They didn't approve it for a day or so ( unsure why ) but they finally did. At opening, I requested a ATM card. Two weeks went by and I still haven't received it. I went to a US Bank in XXXX ( where I live ) and verified my address and again requested an ATM card. Since I have yet to receive it yet again, I called US Bank and they explained what apparently happened. " Since I had an account with US Bank in XXXX and a profile with my Social Security number on it, they send the ATM card to that address in XXXXXXXX XXXX ''!!! I have moved several times since XXXXXXXX. I did NOT provide an XXXX XXXX address on my application for a new bank account with them. I don't remember ever having an account with US bank. All of this seems irrelevant since I did NOT request my ATM card to be sent to that address. To top it off, they sent the ATM card unlock and it was ready for use. Simply unbelievable!! I have been unable to access my funds without going directly to a bank.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-05-28 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-05-28 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-05-29 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: NY

Complaint narrative:
To whom it may concern, I had a XXXX card which i had closed in XXXX. They had agreed to remove this account from my credit reporting profile as long as I paid in full which i did. For some reason they never did this. I recently tried to call in XX/XX/XXXX they said they would remove it and stilll have not done so.

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 2024-05-28 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: GA

Complaint narrative:
It seems that FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts listed have incorrect reporting, amounts, and dates.

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 2024-05-28 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : 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 TransUnion 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 2024-05-28 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : XXXX XXXX XXXX XXXX Account Type Collection Balance {$14000.00} Date Opened XX/XX/2023 Credit Bureau : Equifax XXXX XXXX XXXX XXXX XXXX Collection Account {$14000.00} XX/XX/2023 Credit Bureau : XXXX XXXX XXXX account type : open account Balance : {$14000.00} Date opened : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
From XX/XX/year> to XX/XX/year> I have XXXX inquiries on my credit report that were not made by me. They are through XXXX XXXX XXXX, XXXX with XXXX XXXX XXXXa, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of these was done by me. These inquiries need to be reported as fraud and they absolutely can not be accepted. DO NOT approve any of these inquiries and report them as 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've always been prompt with my payments on this account, never allowing them to be late. I'm confused about why there are late payment reports on my accounts. According to 15 USC 1666b, this billing error needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/year>, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to XXXX, Experian, XXXX or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.

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 2024-05-28 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: MD

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.

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 2024-05-28 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: MD

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.

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 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
I originally took this loan, because of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have struggled to pay it every other week since XXXX of last year. The loan was originally for {$2000.00} which was deposited in my account right away and did help me with my emergency. However, I soon learned that the loan would be a burden for far longer. I think it is rather cruel to target people who have a low income only to drain them of nearly 20 times the actual amount of the loan that was given. 

Since I took this loan in XX/XX/year> I have paid opploans nearly {$4000.00} and my remaining balance is still {$1200.00}. 

I am at a point of not being able to continue to pay it due to XXXX XXXX XXXX XXXX XXXX XXXX  I am currently homeless and staying with family but continue to have opploans take out {$170.00} every other week from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SF VAGO, LLC
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX I see a car loan charge off on my credit report ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX COMPANY INFORMATION : XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX I ASK FOR THIS ACCOUNT TO BE INVESTIGATED AND DELETED AND REMOVED FROM MY CREDIT REPORT FAIR CARES ACT LAW 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: AL

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: PA

Complaint narrative:
I purchased what appeared to be a PayPal issued reload-card at XXXX. PayPal issued its own reload cards in the past, which were very helpful for loading funds to your account. These cards were misleadingly and deceptively packed to appear as those former PayPal reload-cards, until after you removed the packaging and clearly see the word " Debit '' on the card. On the back of the card is the owner & issuer which is XXXX XXXX XXXX  XXXX and 'Netspend Corporation . ' I couldn't activate my card for some indeterminate reason ; The process of getting refunded was very arduous, convoluted, and time-consuming ( All were foreign based customer service agents ) ; And I was charged a {$10.00} fee for reimbursement, on top of the activation fee which I paid at XXXX when I initially purchased the so-called PayPal card. I was supposedly sent a refund-check by mail that I'd NEVER received.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have been trying to get these fraud accounts from my report for months and you guys never removed always say its verified these accounts Are not mine and its making it hard for my family i am a XXXX veteran wrongly accused if nothing changes my Congressman will be contacted remove these fraud accounts as by law require you to do so

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 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I opened an account with famous footwear on XX/XX/XXXX. XXXX XXXX goes through Comenity Bank. 
My mistake was not expecting a bill with a due date of XX/XX/XXXX and because I dont check my mail that often I missed the due date of XX/XX/XXXX. I paid account in full on XX/XX/XXXX hoping that would bring my account to {$0.00} and no fees would be added. I signed up for electronic statements that same day. 
I never got a bill, even though they say they emailed me the statement, it simply did not come to my inbox. In XXXX, they had added a late fee of {$30.00}, but I did not pay it because I was unaware. In XXXX, they added another late fee of {$30.00}, which now brings me to a balance of {$63.00}. 
I only found out about it because I got a call letting me know my account was past due, but the call confused me because they told me it was famously you so at first, I didnt even think XXXX XXXX, I thought it was a scam. I asked the caller if the store had a different name and she told me no. So that left me convinced it was a spam. Until I got another call with a message, they were trying to get a hold of me on my account and I called back, and it was XXXX XXXX. Their practices are not very clear. The email to change my password comes from XXXX, so maybe thats why I missed the email about confirming my email? Im so confused by this company. 
They asked me to start a dispute on the website, but I dont know how to do that or where to start and when I called again the employee didnt know how to help me. 
How can they get away with adding fees to an account that is {$0.00} balance, is that ok?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I need help to get my {$30000.00} refund from CrossCoutrny Mortgage from the cancelled loan recast request. I paid extra {$30000.00} in XX/XX/XXXX to my mortgage loan ( # XXXX ) with CrossCountry Mortgage and requested to recast the amount to the XXXX mortgage to reduce my monthly payment. However, when I called CrossCountry Mortgage in XX/XX/XXXX to check the recast status, I found out the loan servicer at that time didn't complete the recast process partially due to the transfer of my loan to a new servicer of CrossCountry Mortage in XX/XX/XXXX. Since the recast process got much delayed and my needs have changed, I requested to cancel the recast request and get my {$30000.00} refund in XX/XX/XXXX. CrossCountry Mortgage cancelled the recast request and agreed to refund me {$30000.00} in XXXX. However, after I called CrossCoutnry Mortgage over XXXX times since XXXX, XXXX still hasn't sent me the {$30000.00} refund as of today. This is not acceptable!!! Please help.

Company response to consumer: Closed with explanation