vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 
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 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 XXXXXX/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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Request a dispute against XXXX on XX/XX/2024 upon trying to resolve a flight arrangement and rental car appointment. I selected a completely different flight! My flight was set for XX/XX/XXXX from XXXX XXXX : am ( XXXX hour layover ) and return XX/XX/XXXX XXXX XXXX am. The information first submitted by XXXX confirmed the dates on XXXX XXXX XXXX. However, on XXXX I received a booking from XXXX XXXX that leaves me in XXXX on XXXX for over XXXX hours ( I have XXXX XXXX  ) and arrives in XXXX XXXX XXXX pm and the rental car agency closes at XXXX : pm leaving me stranded in a foreign country. The route back to XXXX drops me off in XXXX at XXXX am overnight and I will not arrive to XXXX UNTIL XX/XX/XXXX! XXXX states that I should have looked at my itinerary to cancel within XXXX hours! The iteniary sent lists the date of return on XX/XX/2024. 
Since my last speak with XXXX, they have replaced the misleading confirmation with a detailed one. The latter would have immediately allowed me to cancel this flight reservation. As of today, XXXX, XXXX states that it will not alter the flight or rental car reservation. I must request Best Buy to not " honor '' such a transaction and to do so in a timely manner!

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Eastern Account debt collectors sent notification in XX/XX/year> that I had a balance owing XXXX XXXX ( That balance was in dispute because I was charged for internet service that they didn't consistently provide. ) In early XXXX, XXXX  I made a payment agreement with Eastern Account which they advised would avoid any credit bureau reporting. The plan was for 4 monthly payments of {$52.00} for a total of {$210.00}. 
XXXX. I was current with the plan as agreed, but they still made a credit bureau filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 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 2024-08-16 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: IN

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
We have struggled since covid occurred. We went into a forbearance, and worked through that. I lost a well paying job in early XXXX of XXXX  and could not pay the mortgage. We fell behind three months and requested assistance. We were told that there was a modification available and that it would lead to a higher amount that would need to be paid. In order to save our home, we signed the modification paperwork and returned it to our lender. I had reached out to other options to help with trying to make our payments and were shut down completely because of the late payments and the lenders constant hits to our credit. There seems to be no way to dig out of the hole. We have tried to escalate the issue with the lender but do not get any answers, while being told that we will hear from someone about out situation. We submitted the modification paperwork in XXXX XXXX and since that time have called 5 or more times trying to get any kind of assistance to lower the monthly paymnet.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
account ; XXXX XXXX XXXX XXXX XXXXXXXX Equifax, you are in violation of the Fair Credit Reporting Act. 
I am writing to formally lodge a complaint regarding the inaccurate, inconsistent, and incomplete information on my credit report. Specifically, the account balance reported by XXXX XXXX is incorrect. Despite providing proof of this inaccuracy, Equifax has failed to conduct a proper investigation. 
I demand that Equifax delete this account from my credit report immediately. This inaccuracy has negatively impacted my credit score and financial standing. 

Please confirm receipt of this complaint and provide me with an update on the status of the investigation within 30 days. 

please see attached for more detail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am REWRITING to MIDLAND CREDIT MANAGEMENT to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XXXX XXXX XXXX The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: TN

Complaint narrative:
XXXX Deposited XXXX seperate cash deposits to trade on the platform. They close the account hours after the XXXX  deposit clears my bank. No notice, no explanation, no email. I didnt even know the account was closed until I tried logging in. They refuse to respond to me, they refuse to give me my XXXX back. Nothing is working.

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 2024-08-16 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: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXXXXXX  I was alerted that the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) had pulled my Experian credit report. I have not dealt with XXXX since I got out of the XXXX in XXXX, and I certainly have not applied for credit with them since then. On XX/XX/XXXX I called Experian to dispute this inquiry and to have it removed. Since I am a premium member, I was asked if I wanted to use my membership benefit or do something else. I informed the woman that I wasn't aware of what the difference was in either talking to her or using that benefit and she failed to explain it to me, only repeating her question. I had already been transferred once to her and since I said I wanted to use my premium benefit, she told me she was transferring me yet again. I told her that I was just going to make a report with the FTC ( I meant consumer finance ) because I refuse to be bounced around. Additionally, I would like to know why I have to PAY to be able to lock my credit file. It seems like something that should be able to be done as it is MY credit file, and Experian ( and the other two credit bureaus ) only aggregate the data and do NOT own my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Received a {$100.00} gift card for our XXXX XXXX XXXX. I verified it was active and the balance before I tired to spend it. I tried several times in a store and once on XXXX. It would not go through. I contacted American EX XXXX XXXXXXXX and lodged a complaint on XX/XX/XXXX. They offered to cancel that card and send a replacement card. I refused and requested a check. I XXXX  this issue and many, many were saying the replacement card was bogus too. Amex requested name, address, etc. I furnished the information. At that time I was given a case # and was told it would take up to 3 weeks. 
Case # XXXX. I waited until XX/XX/XXXX to call back. At that time I was told in takes 21 days, to the check should be going out the next day ( the XXXX day ) I never received the check. I called again about a week after this. He put me on hold to talk to his " supervisor '' to what can be done. Came back and said a check will go out immediately, but will take be XXXX XXXX XXXX  business days. That was at least XXXX weeks ago. I have not received that check as of today XX/XX/XXXX. I am tired of their lies. They do not intend to honor the card or honor sending a check. I will not call then again just to hear their lies. I noticed that many, many people have had to enter a complaint to get the $ refunded, I have gone above and beyond to settle this with Amex. My family that gave this to us really couldn't afford to give us this, but wanted to anyway. My understanding is the gift card was purchased at a XXXX XXXX XXXX. How sad is it that? AMEX pulls this on hundreds of people. They are making XXXX or more on these gift cards that can't be spent. Please help us get a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I have received an alert of a new Inquiry from a lender ( Bank of America. ) on XX/XX/year> I have never authorized or have had any contact with this Bank. 
I requested a Fraud Alert and filed a dispute with them last XXXX because of this very same situation and now, here we are again, another unauthorized inquiry 7 months later from the same lender.

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 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My identity has been compromised, several accounts has been opened under my name without my authorization or knowledge. I am unaware of these accounts.

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 2024-08-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
There were multiple attempts to try hard inquiries on the same day and same time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't have accounts with any of these or ever was notified an attempt to work with these organizations at any point. I wouldn't ever allow these many hard inquiries in such a small period. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There were multiple attempts to try hard inquiries on the same day and same time. 

Ally Financial - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I don't have accounts with any of these or ever was notified an attempt to work with these organizations at any point. I wouldn't ever allow these many hard inquiries in such a small period. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have an account with bank of america XXXX  a credit card but my account was scam I reported even that they close my account but the credit card was still open I use it 2 times they declined it on my hands so when i called them they told me to visit the bank I did they told me it's ok and I have XXXX for them on XXXX but as they flag my social I can't open a new account so I try to pay this bill 3 times and I go to the bank they told me I need an account on my name to pay this bills without my permission I received a letters they closed my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX law offices has recently taken money out of my checking account and put it on hold. I can no longer use my account or receive any money and get paid from my current job. They are saying that I owe {$11000.00} in debt to a target credit card that was opened in 2007. I have no recollection of ever owning this card and owing any money on it. When I looked up my case number on the clerk of courts website, the history on this case doesnt make sense. There are certain documents where they are saying that the person that was served as a XXXX female with XXXX hair. I am a XXXX female with XXXX hair. it also said the surname was XXXX. That is not my surname.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: IN

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I started direct deposit to my capital one account about XXXX wks ago my pay date is XX/XX/year> as of XXXX this morning my paycheck is not there and they are rejecting all my bills I have paid. when I opened the account I was under the impression they have early payday put that is false since talking to the rep it takes 14 day for you pay to start if you have a new account so now I have no money because capitalone is holding my direct deposit from my employer. Is this legal under REG E. how can they hold your direct deposit?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Please see letter below, the client XXXX retained Law Firm to sue to the fullest extent to get me to pay. XXXX says that the debt is still with the debt collector and do not mention said law firm in the letter And still refer to my debt as in collections with Caine and Weiner and that I need to contact them. but I cant contact them because they dont even have the debt or so they say. I want to see the agreement between XXXX  and Pucin and Friedland specifically because XXXX  is still saying its with Caine and Weiner according to the XXXX  complaint. Also, it my understanding that if you are collecting a debt you need to state that youre collecting a debt and this letter does not state youre collecting a debt It just goes straight into immediate payment is now required or my client may authorize me to take all legal measures available. XXXX  cant give me a straight answer if they are the client or the deck collector as a client, but there listing XXXX  as their client and XXXX says that Caine and Weiner is where the debt is. Threatening to sue without intent is against the law. im going to need a validation of debt with dates and balances, licenses, etc. I am also going to need the agreement between progressive and Pucin and Friedland with this specific debt. My question is Pucin and Friedland representing XXXX or are they actually representing Caine and Weiner. These are all valid questions and I would like Valid Responses from all parties. I would like agreements coming from all three businesses. if there is any question in the validity of this letter, and I want no further contact. Caine and Weiner also must respond to what happened with the debt.

Company response to consumer: Closed with explanation