vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the XXXX  and unknown items on my XXXX  report, but unfortunately, I have not received XXXX  response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my XXXX  report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the XXXX  and unknown items on my credit report, but unfortunately, I have not received XXXX  response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my XXXX  report. Since it has been over XXXX XXXX I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My consumer reports is showing two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XX/XX/2021 ]. On my XXXX I have NO late payments which is CORRECT, but on my Experian and XXXX its showing different days. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
the following account is negative without furnishing XXXX  proof of verification of this debt or that you followed XXXX  laws and regulations to report, therefore you must remove XXXX  negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never authorized nor gave consent to the companies in collections to have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
Mars inc- XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX XXXX XXXX ks I moved out XX/XX/XXXX I have email after email where I tried to alert of move out and uploading proof The above did not send me ANY statement until XXXX claiming damage then claimed I didnt move out and continues to change the statements which is fraud the Mars inc that was hired by XXXX XXXX XXXX ample evidence that XXXX XXXX XXXX company did not follow Kansas legislation and can not just change statements to there liking and furthermore the claim is moot due to Kansas legislation that states they have 14 but no more then 30 days from date of move out to give refund or itemized statement they did nothing until XXXX and actually owe me. Even with the proof sent to mars they refuse to take this off my credit report or give me my monies back they actually owe me ( XXXX ). XXXX village continue to disregard laws or even pay taxes and someone has to stop this.when they took ownership they gave no one any information ie new phone new email And doors remained lock also have video and fb posts of others who were unable to contact them they stated they would honor my request that started weeks before XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — Gift 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:
Hello there, My Boss gave me an American Express pre-paid gift card with {$250.00} for XXXX on XXXX. The cost of the card on top of that was {$6.00}.

After multiple attempts at using the card both online and In-store, after taking advice from an internet forum had thousands of comments about the same thing, the card will not register or work.

I have called the support line 3 times now and have been told to wait two days to use the card, then I was told that their team would be looking into it, now I am being told that I am not using it where Amex is accepted ( which is not true XXXX XXXX XXXXXXXXXXXX XXXX XXXX etc wont even register the card ). Then I was told I was charging TOO much to the card and I had to account for 10 % of a pre-authorized amount to be deducted.. so I tried to use only {$230.00} dollars of it.. to no avail ... PLUS in the times I have tried to use it, it has now deducted money off the card as a pre-authorization when I wasn't able to buy anything all all. Now, it is a security issue. But, they do not allow me to register my address for the card as it is un-reloadable. 
Not only is AMEX making it quite literally impossible to access the money put onto the card by my boss, which is stealing, effectively, but now charging pre-authorization amounts when it wont even go through- stealing, again. 

There are multiple threads about this exact same issue online and I believe that this could be a class-action law suit. 

They will not send me a new card, they will not refund my boss, they will not tell me how I can get the money from the card and their answers are vague and unhelpful. I would like to request they give me the gift card amount PLUS 20 % for the mere inconvenience of trying more than ten times to use this, wasting my time and energy and resulting in embarrassment multiple times when checking out of physical stores.

This is absolutely wild and I would love some help! 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: IN

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. 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account XXXX has violated my rights. Or a 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 2024-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted this agency about I debt letter I received for a debt from XXXX that I had never once been contacted about prior to this date. I was told that I owed a sum to my doctor 's office that had not been paid by my insurance. 
I called my insurance first to verify that the correct insurance had been billed as I had changed insurances that year. When I did so, my current insurance ( I'll call it insurance XXXX to simplify ) was not in effect and I was on a different insurance ( called insurance  XXXX for simplicity ). I called the insurance XXXX and got the proper information to give to the debt collection agency to contact. I also called my doctor 's office to confirm the dates and the procedure cost. 
To my surprise, not only did my doctor 's office have no outstanding debt for me and have that visit marked as paid, but they also had no idea what debt collection agency this was as they had never worked with them before.

I called the debt collection agency back in order to confirm that the debt was listed under my doctor 's office and I was told no, it was listed with an outside XXXX XXXX I asked for the contact information for this rXXXX XXXX and was given a po box that isn't even in my state. I asked for a phone number or for an email and this debt collection agency has no other way to contact this particular XXXXXXXX XXXX 
I gave the agency my information for insurance XXXX and did my own research to find the XXXX XXXX. 
After multiple numbers that did not exist and a call to and XXXX XXXX XXXX  seller, I called the debt collection agency back and they gave me one of the non-existent numbers that they had XXXX for me. 
I decided to wait for the agency to go through my insurance XXXX provider and contact me back. The agency contacted me back XX/XX/XXXX and asked me how I would like to pay my debt. 
I can not get ahold of the XXXX XXXX they keep telling me I owe money to, my doctor 's office never worked with that XXXX  XXXX, and they refuse to take responsibility and contact the XXXX  XXXX  themselves, but still expect me to pay a debt that I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
We took out a personal loan through One Main Financial in XXXX XXXX several years ago. The first loan we took out we were forced to add on an insurance type package of some sort. We then Refinanced the loan a couple years later to take out some additional funds and we're once again forced to take out an add on for something we didn't want. We were told to get the loan to add it on and then we could just cancel later. We then tried to cancel the services later and were told we couldn't cancel the add ons. We went into the office on several occasions to try and have it resolved and were told no. We gave up and continued paying our loan. Once we got towards the end of our loan of the add on charges I called the office and the corporate office and told them I had a remaining balance that equaled the add on costs and my loan should be done and they refused. I told them that I am pay interest on services and costs I didn't want and at that time I had even calculated the additional interest cost for taking out the add ons that I believe were around {$2000.00} total for just the add on. I made multiple calls arguing my case to no avail and ended up giving up. I was so mad because Ink we deep down this was so wrong on a many levels but had no way to fight the decision so paid my loan and never did business with them again. I had no choice but to pay the loan because my truck XXXX XXXX was used for collateral on the loan and I couldn't risk losing my vehicle so we were stuck and we knew they were forcing us into products we did not want and voiced it several times. Check the call logs of the XXXX XXXX location and you will surely find me on a call arguing with them. Thank you for holding them accountable. I just saw the settlement information today and it gave me such a huge sense of relief to know back then when I was arguing this with them I was not wrong. I now feel better knowing no one else will suffer these terrible practices. I'm pretty sure I posted a XXXX review calling them out as well. It's so good to see this can't happen to anyone else! At the time it was extremely stressful. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
On XXXX XXXX I made a transaction with my cash app on XXXX for {$320.00}. I never ended up receiving the goods in which I purchased. I filed a dispute on th XXXX. And they granted me partial payment on XX/XX/XXXX. Of {$81.00} cause the {$320.00} was split up into XXXX payments. I have called them at least once a week. Cause they said it could could up 45 days for.the dispute to be resolved. But it's been 6 months and the keep telling the same thing. That managers only email and that it is still being under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXXXXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXXXXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring to your attention a matter of identity theft that has affected my financial accounts. I have discovered unauthorized accounts opened in my name without my knowledge or consent. I am a victim of identity theft, and I am seeking your assistance in blocking these fraudulent accounts from my credit report, per 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Below are the details of the unauthorized accounts : XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS , L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS , L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted NCA on several occassions and asked them to verify the debt, provide proof of purchase from the original creditor and all associated documentation, I also asked them to stop threatening to sue me or arrest me for fraud, however, I still get unwanted calls and letters from them regarding this debt. I never had a contract with National Credit Adjusters , LLC or any company they are affiliated with and can confirm that I am a victim of identity theft and data breaches. I would like these accounts removed from my credit reports. Disputes have been made with the XXXX XXXX dating back to XX/XX/XXXXXXXX  with no update now provided information/documentation. This is a violation of FCRA. Further, Per the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CarMax, Inc.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment a credit card account under end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation