vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: NV

Complaint narrative:
You are completely In violation and knowingly and willingly reporting fraudulent inquires your agency did not did not do any investigation on the fraudulent inquires you are reporting. I have contact all companies supplied them with my police report and my FTC affidavit as i was told to do by the police station and also by CFPB and they have no such application under my name .1. I have contacted the creditors directly ( multiple times ) and was information they have requested to have this fraudulent inquires removedI am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. If you fail to do so, I will be lodging a complaint with the Consumer Financial Protection Bureau and detailing your neglect regarding this very serious issue. Please remove the following inquiries from my credit report immediately : It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. the fraudulent inquires need to be deleted immediately or I will seek legal representation without further notice and will use these responses and dispute as proof of your neglect and violation of the FCRA and Identity theft laws. The following inquires that are fraudulent as follows XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Experian Credit keeps sending me access of another person credit service. I have notified them several times and talked to the as well by phone. Some say they can not do anything unless they get permission to receive an approval to stop sending to from the credit holder of which doesn't exist in their records. 
The Experian Account is XXXX XXXX : Membership ID # XXXX Month 's have gone by and they have done nothing. This level of access to third party informal is a security breach and needs to be corrected. I have no relationship with this party. 
Sincerely, 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 2022-10-24 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: RI

Complaint narrative:
I received an email from XXXX XXXX  that said I applied for a XXXX XXXX credit card account. I immediately check my credit score and see that they did run a hard inquiry on my credit score ( I NEED THIS REMOVED ). When I called them they could not locate the account. This led to me needing to dispute that inquiry and thus I ended up here.

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 2022-10-24 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: NJ

Complaint narrative:
Transunion Consumer solutions is in violation of several laws under the Fair Credit Reporting Act ( FCRA ) and in violation of the Gramm-Leach Bliley Act and are reporting things on my credit. That by federal law are not supposed to be reported on my credit report. I have made several request to have the things corrected, yet I have been ignored and Transunion still continues to violate the law in which they need to be held accountable. As a company Transunion does not abide by the Fair Credit reporting Act ( FCRA ) at all.

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 2022-10-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is regarding an existing issue with XXXX and XXXX  XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: IL

Complaint narrative:
This is regarding an existing issue with XXXX and XXXX  XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I found out my card was over the limit. I then found out the reason, someone had used it in XXXXXXXX XXXX without my permission. They had gone to XXXX XXXX, a liquor store and bought Gift cards, as well as XXXX Parking meters. 

I notified the Continental Finance, aka XXXX XXXX XXXX  about the fraud. I have spent hours on the phone to get resolved. I am still waiting on the replacement Credit card. 

Their website is NOT user friendly at all. XXXX graphics and unable to easily navigate, download and solve muchless understand the many fraudulent charges. 

I have used hours on the phone. Today is the last straw after being promised over and over my replacement card was being mailed only to call back days later and it has not been mailed. But today when I tried to log on I am notified " unable to grant you access at this time. Please contact XXXX Services and XXXX XXXX XXXX XXXX After calling and getting the same XXXX script from XXXX  representatives I was told to call back and get try to get someone. He then puts me on hold until the phone dropped and I had to call back. 

I have never spoken with XXXX, the fraud manager assigned to my account. 

Now I learned the replacement account was flagged as fraud as well. I was told not to make any payment on the account until I get the 3rd replacement card and call back in, but I am responsible for all legitimate charges. I tried making the account and keep getting passed and find out my account is now closed and all I can do is pay this account off in full or it will be turned to collection. 

This has caused my credit score to drop over XXXX points. It cost me time, energy, money, physically as well as reputation. 

I am so frustrated. I need to find an attorney for class action as I am sure I am not the only person having this issue with them. Thanks

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 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, at XXXX XXXX. at EST, I requested a money transfer in the amount of {$450.00} from my Chase checking account to the escrow account as a down payment for a purchase of a house. I was doing the wire transfer per the instructions of the real estate broker who had emailed me and my wife regarding how much and where to wire the money. I copied this receipt and sent it to my loan agent with a text wherein I notified my loan agent that I had just wired the funds. I also texted my real estate broker and notified that I had just wired the funds. They both responded by saying thank you, and the real estate broker said to make sure to let my loan agent know. Both my loan agent and real estate agent knew and confirmed receipt of message. On XX/XX/XXXX my real estate broker called me and said that I was scammed after he had received a call from the escrow officer inquiring about the funds. I and my wife found out that the real estate broker 's email was hacked after we started investigating as to how this happened to us. I immediately contacted Chase Bank, and reported the crime to the XXXX Police Department and filed a report, I contacted the FBI and reported the crime on line, I called the secret service, and I contacted XXXX XXXX XXXX. XXXX XXXX XXXX, through XXXX, stated that they had recovered {$100000.00} but to sign a hold harmless letter for XXXX XXXX to release the funds. I did not sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XXXX XXXX I called Victoria Secret to request the buyer of the alleged debt regarding XXXX # XXXX. I spoke with XXXX, he works in the dispute Dep and can be reach @ XXXX Ext XXXX. XXXX could not locate this account and was not aware of the debt nor the buyer, he also allowed me to record our conversation which I would like to include in this complaint, he agrees that no detailed information is listed on my consumer report. The following item is inaccurate and negatively effecting my credit. I called XXXX immediately. I asked for verification of debt or a judgment and was told that word of mouth from any company is excepted as validation of debt and that they could not send me anything in writing. XXXX has not properly investigated this account. Both of these companies are committing fraud willingly and knowingly. It is my understanding that under law you have 30 days from receipt of this letter to verify this item. it should be understood that failure to do so constitutes reason to immediately delete this item from my credit report { FCRA 15 USC section 1681 ( 5 ) ( A ). You may send an updated copy of my credit report to the correct address listed on my report. According to the provisions of 15 USC 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As per two letters from Citibank dated, XX/XX/2022, Citi has deemed me responsible for bank machine withdrawals exceeding {$9000.00} made on a bank machine in XXXX XXXX in XXXX, XXXX. I strongly disagree with this decision. 

As detailed below : The incident happened XXXX in XXXX XXXX at a bank machine in XXXX. 

I responded immediately to the first fraud alert I received from Citibank, @ XXXX ( EST ), for a sum of {$1200.00}, on XXXX, XXXX XXXX. I immediately indicated that it was indeed fraud. 

That fraud alert came to me after XXXX transactions had already successfully gone through for a total of {$9300.00}. 

Whydid it take XXXX transactions from a foreign bank machine before the first fraud alert was sent? 

XXXX XXXX {$1200.00} XXXX ; XXXX XXXX  {$290.00} XXXX XXXX  {$290.00} XXXX XXXX  {$810.00} XXXX XXXX  {$1700.00} XXXX {$2200.00} XXXX XXXX  {$2500.00}XXXX {$14.00} XXXX XXXX  {$1200.00} FRAUD ALERT The letter from Citibank has deemed the activity to be consistent with your normal banking activities. Enclosed please find scans of those correspondences. 

In the thirty plus years that I have banked with Citibank, never have I ever run XXXX transactions at a bank machine within XXXX minutes. 

In fact I dont believe Ihave ever withdrawn sums near {$9000.00}. from a Citibank machine in over XXXX years in any city in the USA or in a foreign country! 

Discussions with XXXX XXXX XXXX : On XXXX, as soon as I was able to call, I was on the phone for hours with fraud prevention personnel and supervisor named XXXX. He informed me that XXXX transactions had gone through, as detailed above. He created XXXX cases for XXXX transactions each. 

I was assured that the money would be returned to my account within XXXX business days, or provisional credit would be granted until the investigation was complete. 

I called again on XXXX and spoke to supervisor XXXX. Said she would expedite the case, and was equally encouraging. 

Citi has obviously failed to adequately investigate this fraud. 

Citi prides itself with its fraud prevention capabilities. How could the system allow XXXX transactions to go through from a foreign bank machine, before determining that there might be an issue of fraud only on the ninth transaction?! 

Conclusion : I nearly fainted when I received the banks letters, determining this activity as normal. I have had a stellar banking reputation with Citi. Not only am I a victim of some advanced bank machine scam, but I am now being billed for a criminals ill-gotten gains. I am somewhat traumatized. 

In light of the above, I respectfully request that the money be returned to my account ASAP. This presents a significant financial hardship for 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 2022-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have a dozen problems. But right now I still can't get in the Federal student aid page. They had to do a reset that took since XX/XX/XXXX and sent me a code. The code wants me to confirm changes. I have a new address. It won't move forward on the page to confirm. I had the chat person there try to help. Nothing worked. I don't even have a place to log out there as I should. I think that site is being watched, or hacked something. Something is wrong. 



And before that I have all kinds of emails all year begging Navient to help me with info so I know what to do. For months. I got emails saying they are investigating my case and will get back to me. No help. Or several that say she will be out of the office for a week. Several times! I couldn't get in my navient account for a while and didn't even know what my loans were from 25 years ago. But they were federal XXXX subsidized. But sold I guess. 
I feel they have purposely not assisted me for a very long period. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX XXXX XXXX XXXX XXXX. I begged for help. I finally got in navient site but locked out of student aid a long time. I've spent so many hours so many days trying to get this figured out and see what I need to do. I cant get in XXXXXXXX XXXX now. I hope a hacker is now in there. XXXX XXXX asked for my SSN and date of birth. I couldnt log out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
For the last 60 days I have been fighting this company for illegally not applying a payment to my account for an amount between XXXX dollars ( multiple payments were made and at least XXXX was not subtracted from the balance ) even after providing months of bank statements and any possible information associated with my claim they continue not to find the payment that wasn't applied to reduce my balance owed. On XX/XX/XXXX I was told a payment for {$690.00} was marked as reversed, so I submitted a statement showing that payment went through XX/XX/XXXX at XXXX XXXX. I called in again today and they changed their tune saying the payment was completed yet the balanced owed remains unchanged. All of these phone calls are supposedly recorded as well. A very basic calculation of all my payments made in the last 60 days well exceeds what was spent and interest charges paid ( I pay the card off monthly and keep tabs on the exact balance on a daily basis ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
My partner and I have taken action to get both of us on the Federal No Contact list. This has been for any mail that is promotion, advertising, telemarketing, etc. We have paid {$2.00} each through USA.Gov ( on XX/XX/2022 ) and have gone onto multiple websites to take care of this. We have received credit card mail from XXXX multiple times since taking ourselves off of the mail lists. I've spoken with them about this on XXXX and on XXXX ( after receiving mail on both of these dates ), where I was told that I need to wait six weeks to be taken off of the list completely. I still received mail from them on XXXX and XXXX. At this point, it has obviously been more than XXXX weeks. I have spent too much time on following up on this just to be disrespected and continuously reached out to. I have spent hours calling and complaining about still receiving mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation