vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct number 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 XXXX XXXX Acct number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct number 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 XXXX XXXX  Acct number 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 2022-05-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
When I signed up for the Amex XXXX credit card on XX/XX/XXXX, I saw online that there was a XXXX point promotion online. After I signed up for it, I saw that I was going to receive XXXX points because the person on the phone said that was the promotion attached to it. However, because I was under the pretense that it was XXXX bonus points ( as advertised in numerous places online ), I went ahead and called Amex on XX/XX/XXXX, and someone on the phone confirmed that I would be receiving XXXX points. However, I saw on XX/XX/XXXX that only XXXX points were deposited to my account. I tried calling, and they did not confirm the phone call on XX/XX/XXXX. I am upset because now there have been two false promises- one for the XXXX point initial offer, and the second being that they would honor that enrollment bonus on the phone call on XX/XX/XXXX. Now they are not honoring that phone call, and are not acknowledging the phone call where someone confirmed that I would be receiving those points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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:
I sent my letter off on XX/XX/XXXX. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. 

According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. 

I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX and the balances are not reporting the same across credit bureaus. Also the reporting originator creditor name are not matching as well. According to Annualcreditreport.com the item is estimated to fall off of my report on XX/XX/XXXX Ive sent out 4 dispute letters over the course of 1 year and these issues has yet been resolved. 

*Account Open date is wrong * Original creditor name dont match across bureaus *Reporting balances does not match across bureaus Accounts XXXX XXXX XXXX Account number XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
I recently came home from XXXX  after doing XXXX years and checked my credit report. I have accounts that were created while I was incarcerated. I did not have the ability to apply for anything while incarcerated because I did not have access to anything to do so. 
The following accounts should not be on my credit report. 
XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX The following inquiries cant be mines : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  They should block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, I've read that by law 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish a account without my written instructions.

So I don't know how this got on my report...

These accounts are hurting me in a very bad way cuz I can not get any loans or any thing due to fraudulent 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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX digits of XXXX XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. 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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC {$680.00} Balance updated XXXX XXXX, 2022 PORTFOLIO RECOV ASSOC {$1600.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my XXXX, Transunion, and XXXX credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with XXXX  was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my XXXX, Transunion, and XXXX credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my XXXX, XXXX, and Equifax credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with Spectrum was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my XXXX, XXXX, and Equifax credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA, was having trouble with accounts reporting untrue statements towards hundreds of accounts and NOT notifying clients of their own mistake. In XXXX of XXXX, already a year ago, my account was deleted, without my knowledge and my payments have not been sent to the credit bureau after finalizing all the payments to the loan I have had for the last 6 years. Unfortunately, in the beginning of this year, XXXX, the car I now own doesn't run anymore. So I was hopeful to buy a new one, until the dealership notified me that my loan to Santander Consumer USA doesn't exist. 

Such hard work & after asking for their help, they couldn't even expedite the assistance I need at Santander. 

The loan is paid off in full, and in the last 3 months, Santander has not done one thing to fix my issue. Sadly, it domino effected my life, with no credit, I needed to move out with my son a month later. The landlord sold the property I lived in to new folks who illegally raised the rent up $ XXXX more. With no credit or bad credit, you can't rent out an apartment. 

Santander has left us very limited to find a home and to get a new car. This is just another attempt to see if they can fix this issue, an issue I believe hundreds of others have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX . Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MI

Complaint narrative:
Experian reported incorrect information for the credit reporting for the month of XXXX. Credit card limit of XXXX dollar limit was reported 3 times in one month causing my score dropped significantly. The XXXX dollar credit card was at q XXXX balance and reported on XXXX XXXX and was not reported. inaccurate information was reported on both credit cards after a dispute was submitted on XX/XX/2022.

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 2022-05-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX acct # XXXX, Equifax Acct # XXXX, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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, XXXX acct # XXXX, XXXX Acct # XXXX, Experian Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Late last year i received a notification on a credit reporting agency of a major derogatory account from a debt collection agency named credence resource management, i contacted the company and informed them i did not have an account with them, they mentioned the debt was from XXXX XXXX XXXX XXXX, informed them i had not opened an XXXX XXXX XXXX XXXX  account, i contacted XXXX  credit report and they opened up a fraud claim, on XX/XX/XXXX i received a letter stating the account was now deleted from my credit report as they determined it was a fraudulent account, i now am receiving a new derogatory account on my credit report for the same account from a new debt collection agency, sunrise credit service. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account was deleted after my dispute was approved by XXXX XX/XX/XXXX - SUNRISE CREDIT SERVICE -fraudulent account, based on XXXX representative is a collection agency for the same XXXXXXXX XXXX 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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AZ

Complaint narrative:
On Weds, XXXX XXXX XXXX I checked my Netspend XXXX account and verified that it had {$30.00} in it and by Friday, I reloaded it with roughly {$37.00}, to ensure that I had enough to clear the {$50.00} I for an expenditure that needed resolving. When I rechecked my account on Saturday ( this last weekend ) I was stunned that I only had {$46.00} in my Netspend XXXX account, not the minimum of {$50.00} that I verified, knowing that the {$37.00} had cleared yet and would have raised the account to approximately {$60.00}, maybe {$65.00}, since I had not spent any of the account between Weds to Friday. I called the customer service number and they replaced {$4.00}, raising the amount to {$50.00}, leaving me still thinking I needed to wait for the {$37.00} to clear. 

On Monday, XXXX XX/XX/2022, I call Netspend XXXX to verify that the {$37.00} has cleared which would place the account at {$87.00}, only to verify that I have {$1.00} in the account. Since I only spent {$50.00} on Saturday, on the expenditure that I needed to clear, where did the remaining {$37.00} go that should have cleared by now? The Netspend XXXX managers wont answer my constant calls to their customer service XXXX number and their phone reps use every avoidance tactic possible, to refuse me my right to resolve this accounting failure on their part, with them trying to hide behind accounting practices they claim they are trained in, by refusing to admit that what they see on their screen is absolutely accurate, with me refusing to let them get away with claiming my accounting is wrong, even though Ive pointed out where they are wrong ; the phone reps and managers put me on hold, indefinitely, knowing that their phone system will terminate my call after 10 minutes on hold.

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 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX. XXXX I went in for a XXXX XXXX preventative treatment ; I had them and my insurance company verify acceptance and coverage prior. I paid my {$75.00} co-pay each visit. There was no deductible. XXXX, totally covered. No issues whatsoever. Then they tell me to do an XXXX XXXX  to make my skin healthier for the XXXX. Also, they say covered. 
6 months later, I receive a bill for {$1000.00} 's owed to them. My insurance didnt cover all of it?? I sent in my claims from one insurance company and found out for another, they never filed the claims. They say they will fix it ... Several calls and emails later, they say they are working on it. XXXX in their billing dept. I assume its been sorted as I hear nothing and it is obvious I had 2 companies with insurance at different points. 
2 years later, I get a collections notice and multiple dings on my credit!! I look at XXXX and XXXX and find so, so many people have gone through the same thing. I tried disputing this activity on my credit reports to no avail. They are right, I am wrong and my credit rating is now affected. 
There are more things XXXX XXXX did, so far in the wrong- I stopped going, before this billing fraud ever happened. Very telling of their unethical practice.

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 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I've tried several times to access my account I'm a victim of identity theft I've been locked out of my account cause the banks representatives gave the thief all access of my account I received a letter today XX/XX/2022 stating my address was updated with Wells Fargo on XX/XX/2022 my tax return XXXX was direct deposited and a close family member fraudulently accessed my account and claimed my identity I've filed a police report XXXX XXXX went to visit my local post office to put a change of address and filed a form for the thief 's address they contacted Wells Fargo bank I've gotten a run around and just want my money and account back Wells Fargo bank will not acumadate me to treat me like the criminal I am the victim. So as of XX/XX/2022 I have no access to my account and have tried to resolve this matter but Wells Fargo has shown me they are not trying to handle this horrific situation

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