vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Inquires that were not mine. 

XXXX XXXX  Date of request XX/XX/2023 XXXX Date of request XX/XX/2023 XXXX XXXX XXXX XXXX Date of request XX/XX/2023

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 2023-09-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Inquires that were not mine. 

XXXXXXXX XXXX  Date of request XX/XX/2023 XXXX Date of request XX/XX/2023 XXXX  XXXX XXXX XXXX Date of request XX/XX/2023

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
on my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-09-09 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone tried opening these account in my name. 
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 2023-09-09 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: FL

Complaint narrative:
Hey hope all is well I viewed my credit report and seen that there was an inaccurate collections accounts being reported on my profile Ive never open this account and its being reported inaccurately i know its an violation under FCRA to report inaccurate information on ones credit report please remove from credit reports immediately Thanks. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Delete all errors on my credit report and my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Delete all errors on my credit report and my scores

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 2023-09-09 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-09-09 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: OR

Complaint narrative:
My account was settled and paid off. The company didnt report to the credit reporting agencies as agreed upon in the settlement agreement. 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 2023-09-09 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: OR

Complaint narrative:
My account was settled and paid off. The company didnt report to the credit reporting agencies as agreed upon in the settlement agreement. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: NC

Complaint narrative:
Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Equifax is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was collected as automated to come back as " verified ''. This is XXXX! 
Equifax is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate XXXX regarding this matter. Next step is to sue! 

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One | Spark Business Account XXXX XXXX XXXX XXXX XXXX XXXX  In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I signed up for the XXXX Citi credit card and in store I used my name of XXXX XXXX, Citi took this even though they had my full SSN and I'm an existing account holder and made a new backend profile for me. I found this out today when I tried to activate my card and it's forcing me to make a new account. I called in and their phone system is terrible and I got bounced around several times before getting someone. They informed me that Citi needs documentation of my name on a legal form of ID. I was offered to send this information via the XXXX mail or via fax. I denied fax due to it is fundamentally insecure and can not provide encryption as well as the post office where there is only a law protecting me, but someone can still sniff my mail. Neither of these methods can guarantee encryption of my data in the security of it. I offered multiple times to send a secure email to use the city document, upload center or any other method to where I can guarantee encryption of my data and Citi outright refused stating " policy ''. 

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 2023-09-09 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: OR

Complaint narrative:
Credit bureaus reporting inaccurate information on my credit report regarding closed accounts and balances. Acct name : XXXX. My account is paid/ never late and closed which is accurately being reported by XXXX. However, Transuion and XXXX reporting charged off and late.

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 2023-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
Calling 4 or 5 times a day. Calling my corporate office and giving personal information on voicemails and people who are not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We have been the victim of unauthorized credit card charges by people/companies that were never given permission to do so ( theft ) for which we reported these issues to the special Citizens Bank XXXX XXXX XXXX who promptly closed our card and told us theyd reissue a new one, causing us major inconvenience. However even though we are supposed to get provisional credit right away due to these thefts ( backed up by complaints to law enforcement ), the cheap, miserly, and dishonest bank is not issuing these provisional credits even though we timely reported them and now its been weeks. The case numbers are XXXX for at least {$2500.00} if not more, and case nos XXXX XXXX XXXX for {$650.00} plus. Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Credit bureaus reporting inaccurate information on my credit report regarding closed accounts and balances. Acct name : XXXX. My account is paid/ never late and closed which is accurately being reported by XXXX. However, XXXX and Equifax reporting charged off and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: NY

Complaint narrative:
I have two gift cards. One for {$100.00} and one for {$750.00}. These are American express E gift cards. When I first began using the gift cards I was able to shop anywhere that took American express ( as advertised ). Then the card stopped working, I called customer service and they informed me the card was active and still had over {$750.00} on it and I should keep trying. I couldn't use the card at XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or even the local store. Even places that once accepted the card no longer work it is showing up as declined. I have called customer service back and I just get transferred until they hang up on me. Its a scam and they robbed me out of hundreds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
the principle being payed vs the interest is criminal these charges are discriminating XX/XX/2023 payment due, we payed the 12 month period off. ( XXXX ) interest ( XXXX ) principal ( XXXX ) tax ( XXXX ) I called the company to reassess the ratio of principle vs interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
A bogus merchant debited my account for {$32000.00}. 

US Bank claims I had a merchant contract and I did not with have such a contract and they failed to provide any documentation. 

I was told by business services that anybody to take money out of my account, using my account number, routing number, and name I was told by the fraud department that I was supposed to contact the merchant who was the perpetrator. 

I have been stonewalled department I have been robbed of all my money and they say they cant do anything about it. Im trying to work with my local branch, but corporate is doing absolutely nothing. 

Please help. U.S. Bank is telling me law-enforcement is my only recourse. At this point, Ive contacted the OCC, the FBI, the Colorado Bureau of Investigation, local law enforcement, the state, Attorney General I have not received a response and at this point I am going to engage in attorney to sue US bank for negligence, pain and suffering, legal fees court costs and of course the original amount. 

Please investigate this matter so that it never happens again.

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 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I haven't worked in over a month. It's been in the negative for about two to three weeks. I've had a couple automatic withdrawls set up for a while. But Wells Fargo keeps paying them even tho my account has been in the negative for a while. AND charging me overdraft fees on top of that. Now because of these, my account is sitting at {$260.00} in the negative. I would expect that if you don't have any money in the bank, the bank wouldn't allow anything to be charged to my account.

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 2023-09-09 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I purchased a used refrigerator from an used appliance store. The refrigerator stopped working 1 month after XXXX financed it. Now Midland Management has purchased the debt and suing me in court for double the amount and not the full contract for review.

Company response to consumer: Closed with explanation