vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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. 

XXXX 's XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in XXXX ), XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My address and name are incorrect. 

I have no knowledge of the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022 I noticed a hard inquiry on my credit report that I did not ask for. It was from Bank of America for the XXXX  XXXX XXXX XXXX card which I do not live in Alaska, I live in XXXX XXXX Contacted XXXX and other agencies to freeze my report and put a fraud alert on file. Attempted to contact Bank of America but automated system either will not put me thru due to me not having a account or hangs up, so, I can not speak to a live person. I want this hard inquiry taken off my report because it dropped my score a bit and I don't want something I did not apply for on file. This is probably related to the XXXX data breach which my account was compromised.

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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. 

XXXX XXXX XXXX : # XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX. : # XXXX has violated my rights. 

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordancewith 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. 

XXXX XXXX XXXX XXXX XXXX... 
XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have two late payments on my XXXX XXXX Card in XXXX and XXXX. Ive asked to have them removed from my credit. Im disputing the late charges.this card was was replaced due to my card being lost when I lost my entire wallet. I was given a new card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and Equifax and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, Experian, and XXXX and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Some person opened a Destiny Master Credit Card in my name on XX/XX/XXXX. I never opened an account with Genesis FS Services. I get a lot of mail with credit applications but throw them out in the apartment garbage bins. It appears someone went through the garbage and stole my identity to make purchases that were unauthorized and fraudulent.Genesis FS Card Services is the name of the issuer I spoke with Day, XX/XX/XXXX, This jyst came to y knowledge as I was texted a bill for credit services I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You literally had enough time to verify this account and because you didnt anytime send me even XXXX shred of evidence that this is my account or that I have any liability or responsibility or ownership, it needs to be deleted.Im pretty certain that you violated a bunch of federal laws : 1. You didnt prove the creditor even responded 2. You didnt send me anything at all to verify this was mine 3. Youre being paid to report this by a creditor I cant even get ahold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 

XXXX was able to verify accurately. How was there different outcomes with the same investigations. 

Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE.

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2022 went to a atm to withdraw money and was met with a atm error so tried it two more times just to be met with the same atm error. So I check my balance and it said {$300.00} dollars withdraw.i turned off any other transaction on the card and gave them a call they told me to turn my card transaction back on because in XXXX hours my money would be back.the following morning there's was an additional {$300.00} dollars withdraw from my account.i ended up sending them everything they wanted me to send and I got a temporary credit of {$600.00} dollars until my case got resolved. I had a couple of dollars on the card so I picked up a beverage at the store with the card but was declined so I checked and it said I was - {$600.00} dollars. So I called and told them why am I in the negative they told me that they couldn't open my files so I owe them money. I clearly explained to them I just want my couple of dollars back. So when I got my check from the Biden tax/gas relief it went to that card and I been trying to get it back and was met with a dozen of explanations and dates and was told that I canceled my own claim. The company is chime and I really don't know what else to do I tried a small claim attorney but was told the dollars amount is to low. Someone help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: PA

Complaint narrative:
We are seeking your assistance ( along with the CFPB simultaneously ) after being Victimized by a company that purports to settle high interest credit card debt coupled to a low interest loan for settlement payment inside of 36 months. 
Company is Americor Funding along with Credit 9. We paid {$5700.00} over 12 months to them, debtors were never notified that they represent us, there was no loan, and they are not so much as licensed to do business in our state ( PA  ), We were summoned by local XXXX whose court placed a {$7000.00} judgement against us filed by one of our creditors that was never notified by Americor regarding their representation on our behalf nor contacted to negotiate settlement. 
High interest credit card debt resulted from the loss of venues of assistance through XXXX XXXX via physician 's office for Rx drug costs ( XXXX XXXX XXXX XXXX  ) which exceeded XXXX XXXX  of our monthly household income after same physician 's office resorted to XXXX due to Covid-19 pandemic in XXXX through XXXX. We are a XXXX XXXX XXXX couple of very limited means and subsequently now have a bankruptcy on our record resulting from a nefarious and predatory Americor Funding. 
XXXX previously reported on XX/XX/XXXX. However, these are very bad people and prey on innocent people ( particularly vulnerable seniors ) and must be stopped immediately! 
Please review : ABOVE ALSO REPORTED TO XXXX XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ; XXXX FTC Complaint ( Online ) Confirmation ( XX/XX/XXXX ) Report submitted! Thank you for helping our work to protect consumers. 
Report 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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I received a Credit Inquiry alert from my bank. When I researched it was from Bank of America and Spirit Airlines. I have not done business with Bank of America in over 30 years and have never flown or inquired about Spirit Airlines. When I contacted Bank of America they had a credit card account open in my maiden name with a very old email address. This was was done without my permission. I have frozen my Credit Reports and contacted Bank of America to report 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 non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: CA

Complaint narrative:
On Saturday, XX/XX/2022 I visited a website to purchase ( XXXX ) tickets for a XXXX concert event. The total cost was {$370.00} ( USD ). Upon the payment confirmation page, a dialogue box appeared that indicated I would receive a confirmation email as well as the tickets to enter the event that I would, specifically, need to print to enter the event. The confirmation email never came on that date or any other date after that date. 

The merchant appears as XXXX XXXX XXXX LL on my transaction history. 

I made this payment with my CashApp XXXX. I immediately contacted CashApp on the same date because I was unable to reach any listed number or email with the event organizers. I knew I needed to contact CASHAPP because the event had started and the payment still showed pending. Without proof of the tickets or email, I was not going to be able to enter the event. 

I have contacted CashApp Support on the following dates with no resolution : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 CashApp support representatives have been giving me the runaround since that date. I have followed up with them over a dozen times and they continuously tell me that my issue is being escalated. They never provide any updates on the investigation, nor have they credited my account for the amount taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Today a thief gained access to my account by making ATM withdrawals from a XXXX in XXXX, GA. They got away with {$800.00} of my XXXX  XXXX money. I can not pay my mortgage. I disabled the card, reported it to the bank, and made a police report. 

My issue is when I called Chime/XXXX a supervisor, XXXX, was rude and dismissive. The bank can not tell me how an ATM withdrawal was allowed without using my card or my PIN number. NO ONE knows my PIN number so even with the card number I dont understand how this was possible. I was told I would have to wait to have my funds returned to the account but XXXX would not provide a timeframe for completion. I asked to speak with a manager over XXXX and the Chime employee told me he had no boss and signed his own checks. 

I am a XXXX Veteran and the money stolen was my XXXX  XXXX check to pay my mortgage and bills. I need my money returned and a explanation on how the thief got access without my PIN number. 

This company has received hundreds of similar complaints but no one seems to be doing anything to stop them from this illegal activity. If someone can access my account from an atm without a card or the PIN number how can one ensure the funds are secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This is an ongoing issue. I have brought my credit scores up from the mid XXXX 's to currently XXXX in the past 3 years. This is according to all XXXX XXXX ( XXXX, XXXX and Experian ). However, according to Experian, my XXXX  scores are as listed ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  shows only a score of XXXX and nothing related to XXXX ; XXXX shows XXXX and XXXX XXXX and Experian shows only XXXX  from what I can see. 
My issue is why they haven't questioned the " fico '' score for transunion still being XXXX when that was the low score 3 years ago but the other XXXX have since increased. I have contacted all XXXX places asking this. XXXX is doesn't show the XXXX anywhere. Why does Experian show it and why can't they just address it? 

Even XXXX XXXX reflects the XXXX that XXXX and XXXX show. They all have the same 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