vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
The information on this account is not mine and i have no knowledge of this 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 2024-10-18 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: TN

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-18 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry and believe it may be a result of identity theft or an error. 

Unauthorized Inquiries : XXXX XXXX. Date : XX/XX/year>. Source : XXXX XXXX. 
XXXX XXXX. Date : XX/XX/year>. Source. XXXX XXXXXXXX. 
XXXX XXXX. Date : XX/XX/year>. Source. 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 2024-10-18 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I attempted to withdraw {$200.00} from atm at XXXX XXXX XXXX in XXXX on XX/XX/year>. No money was dispensed but account was debited {$200.00} total. 

I filed a dispute with Paypal Debit card on XX/XX/year> and it was abruptly closed on XX/XX/year> and they said that a credit was already provided which it never was. I still have not gotten my {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX 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 explanation
Consumer complaint received 2024-10-18 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: Island Finance Puerto Rico
State: PR

Complaint narrative:
Apparently, Island Finance made inquiries about my line of credit without verbal and written authorization in this way, violating the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XX/XX/year> at XXXX, I was notified by XXXX XXXX a Citizens Bank fraud representative that there was a suspicious mobile wire that needed confirmation prior to being processed. I immediately called the banks fraud division and advised them not to allow the transaction since it was not authorized by me. 

The following day I contacted the bank and asked them to close out my account and refund my monies to me via a paper check. My balance at the time was {$20000.00}. 

On XXXX XXXX, I received a check in the amount of {$13000.00}. 
On XX/XX/year>, I received a check in the amount of {$620.00}. 

On both ( XX/XX/XXXX and XX/XX/year> ) I sent regular and Certified letters to Citizens Bank asking for my balance of {$6000.00} to be returned to me. I have not received responses to either of my letters. I have also not received the remainder of the funds from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 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: MD

Complaint narrative:
I have identified inaccuracies on my credit report concerning 15 USC 16c-2. The inquiries listed were not approved by me, harming my credit. Please erase all unauthorized hard inquiries. 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 2024-10-18 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have submitted several disputes and they come back verified and I did not submit applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NC

Complaint narrative:
On XX/XX/year>, my company gave me an American Express XXXX XXXX as a bonus. The amount is {$500.00}. I have tried the card multiple times with various merchants, including XXXX XXXX XXXX, XXXX, and XXXX. I also tried to add the card to my XXXX XXXX wallet. None of this has worked. All of these merchants accept American Express. I called Amex twice and was told that the card is active and working and the transactions were denied because the merchants are not approved, to prevent fraud. One of these merchants is XXXX, the largest retailer in the world. The others are completely legitimate companies, including XXXX! Amex offered no solution except to keep trying different merchants. They could not provide a list of merchants where the card would work. After doing research online I found that this is a common problem - the cards work almost nowhere, and Amex can not provide guidance about where they will work. Numerous customers have had to resort to the CFPB in order to get Amex to satisfy the issue. I called Amex again on XX/XX/year>, to inform them that they either need to send me a check for {$500.00} or get the card to work, or I would be complaining to the CFPB. They said they could not do that and I should just keep trying different merchants. This is not a satisfactory answer. Amex apparently knows of this problem yet does nothing about it and is selling card to the public that they know do not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. I am now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: LA

Complaint narrative:
In XXXX, I contacted ProCollect collection agency to validate a debt because I wasnt sure why the amount owed was so high. The company never responded to my letters. I decided to focus on other areas of my credit, but when I circled back, I tried to settle for a lower amount. Still, they never replied to my letters. So, I reached out to the company through chat and was told that I needed to pay in full {$11000.00}, which I did not have. I wanted to make payments, but the representative kept insisting on the full payment. At that time, I decided to put that on hold. 

Fast forward to this year, I tried to settle this for good. When I called, I was told that XXXX was the person handling my account. I was then given an email to send a message. After I sent my message, I didnt receive a response. So, I finally got in touch with him and all he stated was {$11000.00} to be paid in full. I asked about making payments, and I was told no. However, a follow-up email stated that I can make payments but only 3 payments, which I misread. I asked him how I can make the payments, but he never responded. This caused me to go back to our emails, and I saw it stated that I can only make 3 payments, which I also can not afford. So, I told him I can make {$200.00} payments starting next month by money order. I received an email stating denied. I was confused and shocked, so I asked for clarification. I asked if he would only allow me to make those 3 payments, which is unaffordable for me, but not the affordable payments that I can make. He stated correct. I then asked for a refusal and denial reason twice, and he did not respond to that part of my email. 

Im a mother of XXXX, and I understand that I owe a debt. Im trying to pay said debt, and this collection manager is just very unprofessional. There are many complaints about him through searches I have found. I want to pay the debt, but he went from saying I can not make payments to yes, I can, but it has to be 3 payments of {$4000.00}. I'm so frustrated, and he will not provide me with a reason why hes denying it.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is regarding the difficulty and time spent submitting and contacting Equifax regularly regarding access to the online portal and filing electronic disputes.

As a consumer, I do not feel I have been provided with the due process as outlined in the Fair Credit Reporting Act. According to FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: SC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$82.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-18 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NJ

Complaint narrative:
This inaccuracy in my report has incredibly affected me. I believe this does not belong to me and is belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: Global Lending Services LLC
State: GA

Complaint narrative:
Some applied for credit cards and auto loans in my namei have contacted the credit bureau and companies with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Some applied for credit cards and auto loans in my namei have contacted the credit bureau and companies with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
There are inquiries on my credit report for companies i didnot apply too i made attempts to have removed through the credit beareau and the companies and the issues have not been resolved

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 2024-10-18 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: OneMain Finance Corporation
State: GA

Complaint narrative:
There are inquiries on my credit report for companies i didnot apply too i made attempts to have removed through the credit beareau and the companies and the issues have not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was contacted by my credit card company, XXXX Bank, XXXX XXXX XXXX, regarding XXXX charges and was asked if I recognized the charges. I replied XXXX. There were XXXX charges from XXXX for XXXX XXXX concert tickets. I have never bought concert tickets from XXXX and did not make those purchases. XXXX of the charges was blocked and XXXX was allowed to go through. I then cancelled my credit card and was sent a new one and also disputed the charge. I was recently contacted by their fraud department that they were reversing the charges back to me and that I participated and benefited from this. I did NOT make this charge and did not benefit in any way from it. I have contacted them to appeal the decision. They want to charge me {$XXXX} for tickets I neither authorized nor obtained after they identified the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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:
UPON ME XXXX AT MY CREDIT REPORTS I NOTICE SOME ACCOUNTS THAT WERE OPEN ON ACCOUNT OF IDENINTY THEFT

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