vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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: IN

Complaint narrative:
Experian has an automated menu recording that will not let you connect to a live person period. I have called about a half dozen times to different Experian phone numbers & run into the same automated recording. The account information added to my credit file is in error that is not mine. This account belongs to my daughter whom I co-signed for a new vehicle. I do not owe or make any payments on this account at all. I merely co-signed that is all. I have my own vehicle that I make payments on. In the state of Indiana a co-signer is also considered a co-buyer or a co-borrower. I co-signed is the " only '' thing I have to do with this account. This account is listed in my credit file as me being the person who purchased & owes on this vehicle. I am " only '' responsible for making payments on this vehicle if my daughter does not. Therefore this account should not really be in my credit file at all. I have been trying to " add '' a letter to my credit file which unfortunately I been able to do. My daughter 's vehicle was purchased by her on XX/XX/2022. Either Experian needs to quit blocking anyone from talking to a live person or I want them to completely delete my credit file from their company records completely. I filed a complaint with XXXX  over two weeks ago & they have not responded 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 explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Beginning on XXXX  XX/XX/XXXX at XXXX XXXX, I checked our checking account balance and found that someone in California got a hold of our debit card number and started charging over {$1100.00} in food an entertainment! I called the credit union ( America First ) at XXXX. I was sent to call center in XXXX who took my report and supposedly put a hold on the transactions that were unauthorized and not yet cleared out account. Later in the morning, when credit union opened at XXXX XXXX I called again to speak with someone here. They informed us that they have put a hold on the account and to go in and get a new debit card. We did so right away. We were told that this issue would be taken care of in about 3 days and was high priority due to all of the charges. Well, here it is XX/XX/2022 and the credit union has let all transactions go through and empty our account of all funds plus pulled money from a line of credit to cover the fraudulent charges!!! 
We have had absolutely no money to live on as we had just received our auto deposited pay checks when this happened and the credit union could care less. I called again today, and was told they have just made this high priority but I was told week it was high priority and being worked on. Again we have no money and the credit union is lolly gagging about getting it back to us. We are having to use a credit card through them at this point. They say they don't know how much longer it will take, but we will receive a letter in the mail when complete!!! Very unprofessional and absolutely no security on our money what so ever. We need help, fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: OK

Complaint narrative:
Pursuant to Title USC 1692C ( C ), I am invoking remedy as the consumer natural person and DEMAND Advanced Collection Bu cease and desist debt collection activity with removal from ALL bureaus.

Advanced Collection BU needs to remove ALL and ANY reporting of the debt collection activity from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I always make my payment at the end of the month. I have spoke to people repetitively each month to schedule automatic payment on the XXXX of each month. It looks like my payment was taken out at XXXXXXXX XXXX on the XXXX day. It should have been taken out on the XXXX. I did not make this payment late. Technically, it was still paid within XXXX And this is incorrect reporting. I have called and spoke to new Rez directly about this and they should not be an issue. please remove the late off my credit report as I am not late. I am losing faith in these automatic/scheduled payment systems. They do not seem to be accurate and XXXX things up. Payment was made. Please remove the late Remark on all credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER.

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 2022-11-04 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: KS

Complaint narrative:
After providing Experian with proper legal documentation of my " Legal Name '' and " Current Address '' Experian is willfully choosing not to correct the inaccurate information. 

Please see attached previous complaints XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MI

Complaint narrative:
Asked EdFinancial for refund on XX/XX/XXXX for paid student loan refund during " pause ''. Payment was made in full on XX/XX/XXXX for {$4700.00}. I was told wait 4-6 weeks, after 4 weeks I called back for an update; was told to wait. I called back on XXXX for an update and was told it was being processed and then hung up on twice. I am unable to apply for one time debt relief, and unable to make the XXXX deadline. 
Each time I have called, I received different responses and am hung up on. 
I understand that this process means reopening my loan and having a balance restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Loan with account XXXX XXXX opened on and a balance of {$6200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I placed an order on XXXX to purchase a sneaker named XXXX XXXX XXXX XXXX XXXX Reverse Mocha size XXXX. On XX/XX/XXXX, I have received a XXXX tracking saying my order had been delivered with my name signed. Obviously, I DID NOT sign for anything that day because I did asked my household members and my neighbors and they said they did not sign for anything. So, I lost {$1300.00} and received nothing. I decided to dispute to Chase Credit XXXX on XX/XX/XXXX and explained my situation and they credited me temporary. Today, I received the letter from Chase saying that they decided to reverse the credit to the merchant and told me that the delivery statement was valid. Right now, I want to challenge that decision and I want CFPB to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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: IL

Complaint narrative:
I am a natural person. I am a living human being. I have right under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account list below to be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  as of XX/XX/2022 : {$650.00} Debt does not belong to me, and AmSher Collections Services needs to stop with the harassing phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggle, medical issues, and mental anguish. I have since sustained further emotional and psychological damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquired XXXX XX/XX/XXXX to your consumer reporting agency.

- Remove reporting from all consumer reporting agencies.

- Provide acknowledgment of this official notification that I am opting out of your reporting.

Do not report ANY information bearing my identification.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX CEASE AND DESIST

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 2022-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I applied for a credit limit increase on my Kohl 's card issued through Capital One. I was denied the credit limit increase. Capital One 's denial reason was I was at the maximum limit available. Capital One performed a credit inquiry on my XXXX Credit Report on XX/XX/2022. Given that the denial for the credit limit increase was based on internal policy it was not necessary for a credit inquiry to be performed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX discriminated against me when applying for the Sony Rewards Visa card & is attempting to cover up that they discriminated against someone who has/had their income derived from XXXX ( which is illegal to be taxed )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I created a XXXX XXXX  account and saw that I had a couple credit cards opened in my name unknowingly. One of the banks that this account was opened for was Discover bank back in XXXX. At that time I was a minor ( under the age of XXXX ) I would need a parent guardian if I wanted to open a bank account let alone a credit card. Discover bank closed the account in XXXX due to failed payment and it said I owe them {$1100.00}. Ive been trying to dispute these allegations for the longest by phone or the credit karma app nothing has worked I even gave them my correct LEGAL information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
Basically I asked the credit report bureau ( Experian ) to do verification on my credit report, they did and they stated that everything Is accurate. 
I did another research by myself, and I found improper and inaccuracy on my credit report. 
Here is the information on inaccurate account that shows only on my Experian report and not even the other two bureau ( XXXX and XXXX ) report that. 

Even it does not show the full account number in the report, and it just shows as account # XXXX XXXX XXXX credit card XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX 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 640 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

i am requesting to delete the account please.

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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA states that XXXX XXXX made purchasesXXXX transfers with a debit card with a balance of {$300.00} in it. The purchases were made in a 2 day time frame. 
This is clearly a cloned card being used, the most un real part of this is this : How does BOA allow XXXX and or XXXX to dispense those amounts of money without contacting someone or putting a hold on the account, I did not think XXXX would allow money to be transferred over the amount in the account. And are there no limits/daily on the cards? Mine sure has a limit on it. 

My branch manager has tried to have the case reopened and was declined he said from your fraud dept who clearly are not doing their job correctly allowing something like this to happen and then not even doing a thorough investigation.

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 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Note " This was submitted as a complaint in XXXX and subsequently closed by the cfpb. 
However, the bank XXXX direct still refuses to let me speak with a supervisor and has not returned my money. I have urgent expenses, including medical that are overdue and need my funds back. 4 months have gone by. I will paste the original complaint below for the record. My request is as follows : XXXX. Have a management official call me to explain what happened and return my money immediately. 

XXXX. Provide reasonable compensation for late fees. lost interest and opportunities due to failure to timely return my deposits. 



-- -- - orignal compalint : Opened an account at XXXX Bank on XX/XX/2022. After receiving email confirming that account was approved I transferred in XXXX from my accounts at external banks Subsequently, after the transfers in had processed and showed up in my account as " available '' I received an email request to send a photo of myself holding my ID, which I did. ( XX/XX/2022 ) Then, immediately, I received another email warning that my account was restricted because they could not verity the info. I have been trying to call or reach someone at XXXX ever since but noone is willing to respond or connect me with a supervisor. Instead I received an email that my funds can not be transferred out, and will be held for 30 days. Having transferred the bulk of my family savings I urgently need to access some of the money to pay bills, including medical, and am ready to provide addtl info if they have problems identifying me, but they have ignored 10 messages, and several phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
Pursuant to Title 15USC 1692 ( c ) ( c ) 2, I am the invoking specified remedy as the original creditor and demand per Title 15 USC 1692C ( C ) that Rent Recovery Solutions cease ALL forms of illegal communication through ALL and ANY MEDIUM except for communication of remedies for XXXX, the consumer and natural person, via MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation