vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX 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 2023-07-31 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: FL

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. 


has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-31 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: FL

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
Equifax employee doesn't know how they calculate scores. 
Can't tell me why there is such a massive discrepancy between credit scores provided by XXXX. 
Two representatives ( One a Supervisor ) stated they don't understand why or how my credit score is XXXX points XXXX  with their XXXX. 
I asked to be removed from their XXXX XXXX, as they are unable to provide accurate information. They told me this was not possible. 

Empl ID provided by the supervisor : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phillips & Cohen Associates, Ltd.
State: IL

Complaint narrative:
There was no listing for OTHER on the last question. They reported to credit reports that I was XXXX. They sent a letter to The XXXX  of XXXX XXXX with condolences for my XXXX  but, bill was still due. This company had to stoop to such a fraudulent level to try to collect {$900.00} or so bucks. Sadly, XXXX nor any of the others asked for any proof of XXXX. I thought the letter was a scam because there's nothing saying I'm XXXX  so, how is a collector allowed to just make such a thing up just to force someone to contact the. I had to make numerous calls to XXXX to get it off my credit as I was wondering why I couldn't get a XXXX score. Looks like they don't give XXXX  people XXXX  scores and the account is flagged as well as if someone is doing something illegal. So, this company has caused me a lot of problems. Why is nobody asking them for proof when they list people as XXXX. Perhaps CFPB should look into how many others they've done this to and consider a class action. This behavior is fraudulent. I'd like for them to pay me for the problems they caused me as I'm sure their bill would be over the {$900.00} they used their underhanded tactics to secure payment for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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 — Overcharged for something you did purchase with the card
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a letter saying I have a debt for {$870.00} from a XXXX XXXX account and they will send me to collection. Apparently they have all my personal information, but I dont understand how because I have never open any accounts in any bank. I think someone stole my identity. This account was open XX/XX/2019. So if you check my records you should be able to see that I have never open accounts in any bank. I dont have any idea of how credit card work beca Im no interested in debts with bank so I hope you guys can resolve my issue the best way possible and ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I utilized accumulated points ( XXXX the equivalent of {$590.00} ) to reserve a rental car in XXXX XXXX XXXX, starting XX/XX/2023 until XX/XX/2023. Got a confirmation # XXXX. This booking was done through Chase Travel. A Trip I.D . # XXXX was issued to me. Pick up time of XXXX at XXXX XXXX XXXX was arranged. We would be picked up at the airport and shuttled to the XXXX XXXXXXXX XXXX XXXX XXXX location. We arrived by XXXX XXXX flight # XXXX that was on time. Upon reaching the arrival area, no XXXX XXXX Representative could be seen. Call the XXXX XXXX XXXX # listed on the voucher and the phone was not answered. We had to scramble for transportation by taxi as no cars we available from other companies. Upon reaching our accommodation we called Chase XXXX and complained about not being pickup nor being able to reach the company by phone. Requested a refund of points. On Sunday XX/XX/2023 we received an apology from Chase XXXX for the delay in answering our refund request. On Monday XX/XX/XXXX, XXXX we received correspondence from Chase XXXX stating that request was denied ; Reason : I did not qualify for a Security Deposit Check. I who hold a Chase card through which the car was rented. I never got the car nor points back. XX/XX/2023, I responded to denial of returning my points. XX/XX/2023 got an additional denial to another request flied. Made several calls to Chase Travel submitting request for reinstatement of points only to be taken through what was called an escalation to 2 or three experts in the travel department and the ultimate denial. On XXXX XXXX an expert with Chase Travel wrote to say I was awarded 7500 Goodwill points. I lost 47272 points and I need a complete restoration. In my opinion that would only be fair. Chase Bank needs to take responsibility for that. I was instructed to make an appeal. Embarking on the appeal process revealed it to be a sham. I was asked for the Trip I. DXXXX # XXXX. When I provided it, they respond that that # could not be found therefore I could not proceed. It was nothing but another exercise in frustration to help in defrauding us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
On or about XX/XX/ I received notices of an attempt to collect a debt on a account owned by XXXX XXXX XXXX XXXX from a debt collector called Radius Global Solutions LLC i notified them immediately that the debt and account is not mine nor do i have any knowledge as to how the account was opened using my personal information. I never signed any service agreement with XXXX XXXX XXXX XXXX nor did i give anyone permission to act on my behave to open or do any business with XXXX XXXX XXXX XXXX. Radius did not answer my original complaint about this matter i reached out to XXXX XXXX XXXX to ask for a responsible investigation as to this matter i haven't heard anything from XXXX XXXX XXXX XXXX or Radius Global Solutions.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Ever since " Happy '' Cards have been more difficult to come by, I have tried to buy " XXXX  '' and " XXXX ( XXXX ) '' gift cards to shop at various merchants listed on the packaging. However, the quality of these gift cards is not as good and sometimes the cards have PINs with coverings that are hard to scratch off, that scratch off too easily ( thus removing the PIN ), or have already been scratched off before purchase. I bought a {$490.00} card on or around XX/XX/XXXX, but could not read the PIN to redeem the card. I submitted case XXXX to Blackhawk Network, which offered a refund. I submitted documentation on or around XX/XX/XXXX. 

I never got my refund. Instead, I got a total of XXXX e-mails. On XX/XX/XXXX, I got an e-mail that said : " Our team is currently working on your case XXXX and will provide you an update as soon as possible. '' Then, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and today, XX/XX/XXXX, I got e-mails that substantially said the same thing : " Please allow us more time to continue working on your case, we are reviewing the information provided and the one on our system to give a resolution. '' It is manifestly apparent that Blackhawk Network is not actually providing any refund, and is just holding my money indefinitely. I reached out to Blackhawk Network a couple of times on other cases but just got canned non-responses. I want my money sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: PA

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. 

The letters are stated with items and issues. 

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 2023-07-31 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: TX

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.

The letters are stated with items and issues. 

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 2023-07-31 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-07-31 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: MI

Complaint narrative:
complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a clear violation of the law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. This serves as my last and final attempt to seek justice and have the inaccurate information promptly removed from my credit report. Thank you for your prompt attention. I trust that the CFPB will impartially address this serious issue Remove Account, this is inaccurate information reporting.

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 2023-07-31 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: NC

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. 


has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-01 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX & XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

has violated my rights. Or list of inquiries 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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are currently 5 XXXX XXXX XXXX XXXX XXXX closed accounts reporting negatively on my Equifax credit report. Around XX/XX/XXXX I was able to get the XXXX XXXX XXXX XXXX XXXX accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of XXXX XXXX XXXX accounts that are closed are still reporting negatively on my Equifax credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with Equifax and XXXX multiple times via telephone and mail to have the closed student loan accounts removed, but Equifax and XXXX refuse to remove the 5 XXXX XXXX XXXX XXXX XXXX accounts that are closed and reporting negatively Equifax is the only credit reporting bureau that is reporting the XXXX XXXX XXXX as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of EdXXXX I have disputed with Equifax using Consumer law and most recently XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief