vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Seen several unknown hard inquiries on my consumer report and I would like them removed.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-10-05 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05 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: IL

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have been reporting these accounts wrong! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. You are mandated to remove these erroneous accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX Account type : Installment ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-05 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: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding the unauthorized inquiries listed on my credit report. Despite my repeated efforts to have these inquiries removed, TransUnion has failed to take appropriate action, resulting in harm to my credit profile. 

The unauthorized inquiries listed on my TransUnion credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted TransUnion multiple times, both in writing and by phone, to request the removal of these inquiries. However, despite providing evidence that these inquiries are unauthorized and inaccurate, TransUnion has not taken any action to correct my credit report. 

I believe that TransUnion 's failure to remove these unauthorized inquiries is a violation of the Fair Credit Reporting Act ( FCRA ) and has had a negative impact on my creditworthiness. I request that the CFPB investigate this matter thoroughly and take appropriate actions to ensure that TransUnion complies with its obligations under the FCRA.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern, Im writing to inform you of my rights. 

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 : Account # 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 an 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. 

This inaccurate information is hindering me from buying my family a home, getting approved for credit cards, and to buy a new car.

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 2023-10-05 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: CA

Complaint narrative:
In XX/XX/XXXX, I recieved a {$50.00} American Express e-gift card by email. There's no physical card, making it difficult to use in store. Their instructions say to setup XXXX XXXX or similar to use in store, but I was not able set it up following their instructions. I was unable to reach a person or get help from the customer support phone number they provide ( XXXX ) in ~XXXX, XXXX and XXXX. 

In XX/XX/XXXX, I attempted to use it to make several online purchases, including from XXXX, all of which declined it. I contacted a customer support number for " questions about purchasing your Gift Cards online '' ( XXXX ) and got an immediate answer, but was was placed on hold for XXXX hours total and transferred to a couple different people, the last of whom hung up on me, after trying to get help to use my existing card online. I was told : a ) XXXX, XXXX, XXXX, XXXX and XXXX all do not accept it b ) They don't know of a single online company that accepts it. 
c ) Because it's an anonymous card and there's no zip code or other info, any website ( all that I'm aware of ) that require verification info such as a zip code, name or address will be unable to verify it and decline it. 
d ) Despite not being aware of a single company that accepts it, they still claim that it can be used online and that I should keep trying other places. 

The instructions provided with the gift card say, to XXXX XXXX, " In the Billing Address section, please fill in your name and address '' suggesting that the shop would be able to verify it, directly contradicting what the customer support representative said. 

The e-gift card seems like a scam to keep other people 's gifts for themselves. American Express keeps the balance and interest on the cards by making sure they aren't used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My {$3200.00} flight ( ticket purchased XX/XX/XXXX for a flight XX/XX/XXXX ) was cancelled by an airline, and the airline told me there was nothing they could do to refund me and they are no longer responding to my inquiries. I called Bank of America on XX/XX/XXXX, and a customer service agent there helped me file a dispute. This agent told me I had up to 1 year from time of purchase to file a dispute, so my filing was right at this deadline. I mailed in all the supporting documents from the airline to their dispute office. On XX/XX/XXXX I received a message from Bank of America saying my claim was denied because it was filed after their 60 day dispute window ( which conflicted with the timeline the previous agent provided ). I have since had a nightmare experience with Bank of America trying to sort this issue out, and they claim there is nothing they can do now that the case has been denied. I am out {$3200.00} and everyone involved claims theres nothing they can do about 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 monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: AZ

Complaint narrative:
My XXXX XXXX discharge was processed on XX/XX/2023. I was informed by the Department of Education that the refund is pending processing by my servicer, EdFinancial. In my account portal, I can see the discharge and refund dated on XX/XX/2023. EdFinancial advised to wait 60 days to receive my refund of payments. 

The refund of payments has stayed at a negative balance, and no one at EdFinancial can update me. I wait on hold for hours each day. Once I finally receive a callback, the EdFinancial representative pretends to not hear me on the other line. This has happened repeatedly each week during the callback. However, I have no issues with any other caller. 

I have attached the statement, showing the negative balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
I am writing to file a formal complaint against American Express regarding significant issues I have encountered with an American Express e-Gift card that I received from my employer on XX/XX/XXXX XXXX 

Upon receiving the {$250.00} American Express e-Gift card, I attempted to use it for online purchases at various shopping websites. To my dismay, the card was consistently declined. Perplexed by this issue, I contacted American Express customer support to seek assistance and resolution. 

The customer service representative informed me that the e-Gift card might not work at all merchants, despite American Express 's assertion on their website that it can be used virtually anywhere. Furthermore, I was advised to add the card to a digital wallet such as XXXX XXXX and attempt an in-store transaction. Unfortunately, even after following these instructions, the card continued to be declined, leaving me unable to utilize any funds from the {$250.00} balance.

This ordeal has been both frustrating and inconvenient, and it appears that there may be a systemic issue with the functionality of American Express e-Gift cards. To exacerbate matters, my research online indicates that others have faced similar challenges with American Express e-Gift cards. 

I believe that this situation goes beyond a mere technical glitch and raises concerns about the transparency and accuracy of information provided by American Express regarding the use of their e-Gift cards. The discrepancy between the advertised versatility of the card and its actual limitations is not only misleading but also a disservice to consumers who rely on accurate product information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, Please see attached - there's a fraudulent hard credit inquiry on my report that needs to be removed immediately of : EXPERIAN 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 2023-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: LA

Complaint narrative:
On XX/XX/2023, Spire Recover Solutions contacted several members of my family to discuss the debt. On XX/XX/2023, they successfully reached my father and discussed the debt. They have been harassing me by means of constant phone calls, messages, and emails. They are using deceptive tactics such as number scrambling software to disguise the phone number they are calling from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My {$5400.00} XXXX rent check was stolen from the mail and fraudulently cashed with XXXX XXXX XXXXXXXX. On XX/XX/XXXX I filed a fraud affidavit with chase and was told it would take XXXX days to resolve the issue. It has now been almost 150 days and I still do not have my money back in my account. I was told that XXXX XXXX XXXXXXXX had finished their investigation and that they had mailed me a cashiers check on XX/XX/20. I didn't receive the check so I called chase again and they said the cashiers check was being sent to them and they would deposit it in to my account. I called again today, XXXX, and now I am being told again that the check was sent to me. It has been over XXXX weeks since the check was supposedly mailed by XXXX XXXX XXXXXXXX, and I do not have the check and Chase does not have the check. Chase does not seem to have any solutions to finding the missing cashiers check. I have waited almost 5 months and I still don't have my money back. Meanwhile the bank is earning interest on my money every day that they keep the funds from me. There must be some sort of law that protects me. I would like my {$5400.00} to be returned to me immediately. Chase has no financial incentive to find this missing cashiers check since they won't return my funds and they don't care how long I have to wait for it. The Case number with Chase is XXXX and the case number with Bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation