vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was receiving emails not addressed to myself, but addressed to a XXXX XXXX XXXX from Experian thanks for creating an account, your card has declined, updates to your account, updates to your personal info, account has been reported to collections, etc. I thought they were phishing emails so I ignored them, but I flagged them. When I realized I had received a whopping 32 emails for XXXX in a 4 month period, I attempted to create an account with Experian but it said my email was already in use. That confirms it wasnt phishing and that someone used my email. I called Experian. It took an obscene amount of tries and options to speak with a human there. Finally, I spoke with a XXXX who said a XXXX XXXX XXXX was using my email for his account, but supposedly was using nothing else of mine. XXXX couldnt tell me how this happened. He said hed open a case to have my email removed from XXXX account. Im now awaiting further updates and instructions. 
What troubles me most is that this person was able to use my email for this account and it wasnt verified!!! Normally you receive an email from said company containing a link to finish creating your account so they know it is your email. So how did Experian confirm this email??? Something isnt right here at all. Everything needs verified especially with a company such as this! 
They wouldnt immediately freeze XXXX access to his account or anything. All XXXX could do was escalate the complaint. I want to KNOW that this will not and can not happen again or to anyone else. Emails must be verified. 

I attached screenshots of different emails below.

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 2024-04-06 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: NJ

Complaint narrative:
On XX/XX/year> i entered a consumer credit counseling agency called XXXX to pay off 7 credit cards and 1 loan. First payment was XX/XX/year>. I paid XX/XX/year> Santander payment on my own .XXXX  XXXX this arrangement with creditors by a contract. On my XX/XX/year> statement, there was no change. On a letter dated XX/XX/year> from XXXX they have accepted contract. On my XX/XX/year> XXXX  statement there is a reflection showing my interest rate and loan monthly amount changed. On XXXX XXXX says my account is 24 days overdue after agreeing to new proposal. I told them I would pay the XXXX asap. They said account was 24 days late.I paid them on their XXXX day that they said I wa late. I also spoke to a XXXX XXXX and he stated I would not be reported as being late. When I pulled my credit and saw I was on XX/XX/year> I called XXXX and told them to pull phone records from XX/XX/year> t/c to XXXX XXXX and they could not I included my XX/XX/year> statement showing you everything. They reported my account past due over 30 days. I beg of you help me I will not be able to get into XXXX  programs in my community because of this 30 day late post. I am trying my best

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  # XXXX 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 of 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 explanation
Consumer complaint received 2024-04-06 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: AZ

Complaint narrative:
I have asked on several occasions for validation of debt from this company. I have checked my report and according to Transunion report this account was opened XX/XX/XXXX but has XXXX on account as opened. Can you please send documentation of me opening an account with this company one XX/XX/year>. I have sent a second letter to Transunion and XXXX XXXX XXXX. This company informed me that i owe them {$540.00} for a company named XXXX XXXX  who is not on my credit report. I have NO idea who this company is. I have asked on several occasion to send a copy of a contract or my signature where this debt is owed by me and NO one could furnish me this information. I have checked the cards i have and none is with this company. I can't not just pay a bill because a company tells me I owe them. Please validate this debt. Transunion has verified this debt 2 times but have yet to send me a validation of this debt. I am now in a position to take legal matter because this debt is affecting my ability to obtain credit or complete my home purchase. The only answers im getting is debt verified without documentation or verification of contract with this company. i have enclosed the letter for both Transunion and XXXX XXXX XXXX. Upon the completion of this investigation, i will have no choice but to report to the AG office and get public publicity to help with this matter at hand. Im currently in the process of formulating a video for social media to reach out to any attorney to help with this matter because its getting ridiculous that they can even send out verification of how the debt is owed by me or any contract signed by me validating. I must take the company 's word that i owe them and just pay them. This is not how things work. I owe a debt, you provide the contract or my signature on paperwork that i owe you and its validated. Anyone can say you owe them but is it accurate? Should you just trust that you owe the debt? Why pay a debt you are not sure of?

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/24 i entered a consumer credit counseling agency called XXXX to pay off 7 credit cards and 1 loan. First payment was XX/XX/24. I paid XX/XX/24 Santander payment on my own .XXXX  sets this arrangement with creditors by a contract. On my XX/XX/24 statement, there was no change. On a letter dated XX/XX/24 from Santander they have accepted contract. On my XX/XX/24 santander statement there is a reflection showing my interest rate and loan monthly amount changed. On XXXX Santander says my account is 24 days overdue after agreeing to new proposal. I told them I would pay the XXXX asap. They said account was 24 days late.I paid them on their XXXX day that they said I wa late. I also spoke to a XXXX XXXX and he stated I would not be reported as being late. When I pulled my credit and saw I was on XX/XX/24 I called santander and told them to pull phone records from XX/XX/24 t/c to XXXX XXXX and they could not I included my XX/XX/24 statement showing you everything. They reported my account past due over 30 days. I beg of you help me I will not be able to get into XXXX  programs in my community because of this 30 day late post. I am trying my best

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains inaccurate and incomplete information. I am sending this letter as a formal complaint against Experian. The following late payments are incorrectly noted. Please investigate and verify that all information about this account is accurate, including all notations, dates, and balances. 

XXXX XXXX Late payment XXXX - XX/XX/2022 I wanted to bring these issues to your attention, specifically billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
A computation error or similar accounting error made by the creditor on a statement. 
To my knowledge, the creditor failed to furnish me with a statement 21 days prior, which should have nullified any ramifications of late payments regarding linked accounts. I am seeking concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late, indicating an invoicing error.

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Chase Travel refuses to offer a difference in a price of a flight that was booked 4 days ago. 

All airlines will credit back vouchers for the difference and they state they can not. Even other travel agencies give refunds if prices drop. They stated to do a voucher I would then have XXXX $ taken from voucher when used. 

Flight is through XXXX  who said they would credit the money but couldn't since being through chase travel difference is XXXX $ in ticket price ( original fair purchased for XXXX $ new price XXXX $ ) ticket purchased on XX/XX/XXXX called for change on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: NV

Complaint narrative:
I recieved two credit cards from XXXXXXXX XXXX XXXX XXXX, issued by NETSPEND. I never asked for these cards, they were opened without my consent. I have tried to call them using all the phone numbers that I can find on the paperwork ( included with the cards ) and everytime all numbers called say hold on the line and your card will be activated. I DON'T WANY them activated, I did ask for them or want them.

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 2024-04-06 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: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I have asked on several occasions for validation of debt from this company. I have checked my report and according to XXXX report this account was opened XX/XX/XXXX but has XXXX on account as opened. Can you please send documentation of me opening an account with this company one XX/XX/year>. I have sent a second letter to XXXX and Spring Oak Capital. This company informed me that i owe them {$540.00} for a company named XXXX XXXX  who is not on my credit report. I have NO idea who this company is. I have asked on several occasion to send a copy of a contract or my signature where this debt is owed by me and NO one could furnish me this information. I have checked the cards i have and none is with this company. I can't not just pay a bill because a company tells me I owe them. Please validate this debt. XXXX has verified this debt 2 times but have yet to send me a validation of this debt. I am now in a position to take legal matter because this debt is affecting my ability to obtain credit or complete my home purchase. The only answers im getting is debt verified without documentation or verification of contract with this company. i have enclosed the letter for both XXXX and Spring Oak Capital. Upon the completion of this investigation, i will have no choice but to report to the AG office and get public publicity to help with this matter at hand. Im currently in the process of formulating a video for social media to reach out to any attorney to help with this matter because its getting ridiculous that they can even send out verification of how the debt is owed by me or any contract signed by me validating. I must take the company 's word that i owe them and just pay them. This is not how things work. I owe a debt, you provide the contract or my signature on paperwork that i owe you and its validated. Anyone can say you owe them but is it accurate? Should you just trust that you owe the debt? Why pay a debt you are not sure of?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NY

Complaint narrative:
A creditor has claimed to me that he had send an invoice from Binance to be deposited into my checking account. 
i have not received any transfer of the invoice from Binance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: NY

Complaint narrative:
I am writing to formally lodge a complaint against " XXXX XXXX '', " XXXX '', " Equifax '' & " XXXX '' regarding their failure to address and rectify inaccuracies with the required XXXX timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX I submitted a dispute with " XXXX '', " Equifax '' & " XXXX '' regarding " XXXX XXXX '' reporting numerous inaccuracies on my credit report. Specifically, I detailed the discrepancies that XXXX XXXX has been reporting to the XXXX major credit bureaus. These include inconsistent last activity dates, irregular payment histories, and the omission of timely payments on XX/XX/XXXX, to Equifax while failing to provide corresponding records to XXXX and XXXX. 

Furthermore, XXXX XXXX has erroneously marked my account for late payments. I hereby demand documented proof of any late payments attributed to my account. Should XXXX XXXX fail to provide such evidence, I insist that ny account be updated to reflect " paid as agreed '' Despite the aforementioned discrepancies and violations, XXXX, Equifax, XXXX & XXXX XXXX, has failed to respond within the mandated XXXX period, as outlined by the FCRA. This failure is unacceptable and warrants immediate action from the Consumer Financial Protection Bureau ( CFPB ).

I hereby request that this matter be escalated, and a thorough investigation be conducted into XXXX, Equifax, XXXX & XXXX XXXXXXXX XXXX reporting practices. I demand that XXXX XXXXXXXX provide documented proof for any alleged late payments and promptly remove this erroneous account from my credit report.

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please do not hesitate to contact me if further information is require.

I also demand that this resolution gets handled on XXXX  and not outside of it for documented proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Back in XX/XX/year> I submitted a complaint Experian about XXXX XXXX  reporting on my credit report for over seven years, see cfpb report # XXXX - XXXX it as been four months and it is still showing on my report, they have not even starting to investigate this issue because there is no dispute showing this on my credit report. They are breaking the law regarding my rights as a consumer. I am demanding that this item be remove from my file!!!!!

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is showing up on my Equifax, XXXX and XXXX as collections/charged off when the account was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. XXXX account 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 2024-04-06 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy/Citi Bank Credit card is violating a lot of my consumer rights to begin Best Buy and myself are currently under a billing error dispute by law Best Buy/CIti Bank should not be reporting any negative items on my consumer file. Such s late payments as of XX/XX/2024 Best Buy /Citi Bank are reporting late paymentsAccording to 15 US Code 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 US Code 1681A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is imperative that my consumer rights are respected and that all reported information accurately reflects my credit history.

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 2024-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Davis & Jones, LLC
State: GA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX  - Our attorney contacted XXXX XXXX of DVS Jones to cease contact with client and direct all communication through attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX willfully disregarded request to direct communication via the attorney and sent email stating " Im not going to play the document review game with your attorney '' XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX of DVS Jones spoofed his number as my parent 's home and called my mobile phone XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of DVS Jones spoofed his number as my parent 's home and called my mobile phone XX/XX/year>XXXX XXXX XXXX XXXX - ( third attempt ) XXXX XXXX of DVS Jones spoofed his number as my parent 's home and called my mobile phone XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX of DVS Jones spoofed his number as my sister 's phone number and called my mobile phone. This call was answered and XXXX admitted to spoofing his number as my family member

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account 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