vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 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: TN

Complaint narrative:
My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, XXXX, and Experian ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, Experian is still waiting for XXXX to respond and XXXX closed the dispute, stating that they verified that the accounts are mine. XXXX has no intention of removing the XXXX accounts that do not belong to me and Experian may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that XXXX could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but XXXX and Experian do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.

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 2022-04-17 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 XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXL # XXXX, XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights .

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

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

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 2022-04-17 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: FL

Complaint narrative:
i check my credit report and i see unauuthorized inquirys for equifax i file a ftc report they still want from them frm my report they are XXXX of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all dis was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was added as an authorized user on this XXXX credit card on XX/XX/2022. I was told it would take 1-2 statement periods for the account to reflect on my credit report. I have spent hours on the phone with XXXX as well as transunion. This account is not showing on any of my XXXX credit reports. I was told that this has happened in the past and they dont have a resolution other than to close my account and re open a new one after several months. This is inaccurate reporting and is against the law. My information needs to be accurately reported or I will seek legal advice against 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 explanation
Consumer complaint received 2022-04-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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 2022-04-17 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right of 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 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carvana Group, LLC
State: SC

Complaint narrative:
I have new and updated information for the complaint # XXXX with XXXX. 

I received communication from XXXX on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on XXXX dated XXXX. XXXX has violated my consumer rights under the FDCPA. 

I have attached a copy of the communication that was sent by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Today at around XXXX I purchased a gift card to add to my sons XXXX XXXX. I placed {$60.00} on the card. 

I got home, gave him his gift basket and we went on with out day celebrating XXXX XXXX 

My son decided he wanted to waste his money at XXXX XXXX  XXXX so we proceeded to the store. 

We got to the register to pay for his items and only {$0.00} was approved. The rest of the money was declined. 

I was confused and pulled myself to the side and checked the balance online. The balance was at {$0.00}. And the transactions showed that someone used the card for XXXX XXXX XXXX XXXX 

I was furious because that was an unauthorized transaction so I called the vanilla gift card credit card customer service telephone number and the rep I spoke to tells me that there is nothing I can do and if I wish to place a claim I would have to wait until 7-10 days when the transaction shows posted on their end. 

I asked why did I need to wait that long? I gave them {$60.00} and now my son wishes to spend it. and why can they check to see where the transaction happened? How it happened? And how something like this can happen? He had no answers for me but just repeating for me to call back in 7-10 days perhaps 8 days to file a claim so they can investigate the transaction. I told him if he can notate the file or request for a new card to be sent to me and to block that unauthorized transaction and I was quickly cut off by the rep when I was talking saying that he cant help me anymore and hung up on me. 

How can this happen so fast? How can someone just steal the card number so fast like this and of course why did it have to happen to me. 

I dont have much to give to my son and here I am having to explain to him how there are bad people in this is world robbing gold people that just want there kid to have a great XXXX XXXX and now he is going home empty handed. 

I was the company to do whats right and just give me back my money so I can give it to my son. 
For the company to have better customer service that doesnt lack professionalism when speaking to paying customers. To feel as they honestly would have our backs rather than a scammers back when things like this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My Bank of America checking account was hacked on XXXX and {$41000.00} was stolen from my account via wire transfer. I filed fraud claim XXXX with Bank of America on XXXX. This claim was denied by Bank of America via a letter sent to me dated on XXXX. I closed this checking account and opened a new checking account on XXXX. On XXXX, new checking account opened on XXXX got hacked, {$50000.00} Debit withdraw from Bank of America in XXXX  XXXX and {$12000.00} via wire. {$62000.00} was stolen from my XXXX checking account this time. I filed fraud claim number XXXX on XXXX. This claim status is pending.

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 2022-04-17 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: HI

Complaint narrative:
Im filing a complaint against XXXXXXXX XXXX  for misleading and improper use of my credit report. 

On XX/XX/XXXX I called XXXXXXXX XXXX to inquire how a mortgage calculator works. My home 's mortgage company sent me there. While making a general inquiry with XXXX  they pulled my report without my clear knowledge of why and for NO VALID REASON. This resulted in the Hard Inquiry I'm disputing. I have written the company half a dozen times to complain, and have complained with all the Credit Bureaus 6+ times each. No one will listen to me and remove the invalid Hard Inquiry.

In no way was I seeking credit with XXXX XXXX or seeking any of their services. 



XXXX XXXX ssn XXXX birth XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/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 2022-04-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX XXXXXXXX ( No acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights.

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

15 U.S.C. 1681 Section 602A 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 2022-04-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX XXXXXXXX ( No acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights.

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

15 U.S.C. 1681 Section 602A 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 2022-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My original home loan with XXXX XXXX XXXX  was refinanced with Freedom Mortgage in XXXX ( the two companies merged in XXXX of XXXX ) within 90 days after closing I received an Escrow surplus check explaining that the escrow was over paid. I am a XXXX XXXX XXXX veteran and in Texas I applied for homestead so my natural assumption was this had to be the reason for the $ XXXX check. Then I get penalties and and interest on a shortfall on my taxes and the company will not tell me the exact amount of my taxes or apply my 80 % reduction. I have continued to pay my mortgage and did a forbearance because they have been delaying a response on the amount of taxes owed with in accurate bills of over 5 times the mortgage in taxes. I have continued to pay the principle and more till the amount can be sorted yet they do not apply the payments and have marked my credit with late payments.

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 2022-04-17 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - XXXX I have also issued a Validation of a Debt Request Pursuant to 15 USC 1692g They have refused and not complied accorfing to the declaration within the Debt Validation Request.

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I DID NOT GIVE CONSENT. THIS ACCOUNT IS UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I got approved for XXXXXXXX XXXX  credit installment payment plans ordered some shoes got those but they then denied me service because of my credit report after they approved me for credit installment plans I've been making my payments on my shoes on time I feel like this is discrimination because I have a fraud alert and my credit locked on my credit report because I keep getting inquiries on my credit report that are not any of my knowledge I feel like I'm being judged because someone has stoley information and identity that I can't get any credit cards loans or anything because of that I feel like I'm being punished for something that was not in my control

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 2022-04-17 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: OK

Complaint narrative:
On on the XXXX of XX/XX/2022 I sent my brother {$84.00} on cashapp and he had just got a new phone and tried to login to his cashapp on his new phone and it wanted him to verify the linked card and when he did it said his identity couldn't be verified and he needed to create a new account to contact customer service. So he did that and he messaged support for 3 days going back and forth. They will not let him into his old account and they won't refund my money to me they just stole the {$84.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXXXXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. 

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an 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 2022-04-17 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: MI

Complaint narrative:
TransUnion Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609

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 2022-04-17 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: Self Financial Inc.
State: FL

Complaint narrative:
back nXX/XX/XXXXn XXXX i had a hard time iam in florida and we had a real bad stome i file a complaint on dis same website asking for a good will adjustment and the company said they will update my report they did not so they i wnt all da accrs remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right of 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 2022-04-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate.

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.

Company response to consumer: Closed with explanation