vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-06-09 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 — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2023 i got robbed in a store and all my credit cards were stolen with my wallet. 
I called police and case was opened. 
After talking to Huntington Bank customer service support and providing all information they needed my case was closed without any explanations. 
I provided police report and case number from other banks credit cards that were stollen at the same time. Other banks refunded my money within 3 days, but Huntington Bank is not contacting me back and not resolving this problem for 3 weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2023-06-09 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-06-09 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 non-monetary relief
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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 he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 XXXX 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 2023-06-09 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: FL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against United Collection Bureau regarding their debt collection practices, which I believe to be in violation of Section 807 of the Fair Debt Collection Practices Act ( FDCPA ). United Collection Bureau has engaged in deceptive practices by attempting to collect three separate amounts on XX/XX/2023, in the amount of {$1300.00}, XX/XX/2023, in the amount of {$1400.00}, and XX/XX/2023, in the amount of {$1500.00}. These actions are clear violations of 15 USC 1692e of the FDCPA.

I would like to bring the following violations to your attention : False and Misleading Representations : United Collection Bureau has falsely claimed that I owe three separate amounts on different dates, each with a different figure. This inconsistency in the alleged debts raises serious concerns about the accuracy and validity of their claims. These misrepresentations are intended to confuse and mislead consumers, violating the provisions set forth in 15 USC 1692e of the FDCPA.

Unsubstantiated Claims : Despite my requests for verification of the debts, United Collection Bureau has failed to provide any supporting documentation or evidence to substantiate the legitimacy of these alleged debts. This failure to provide adequate validation further compounds the deceptive nature of their actions.

These deceptive practices have caused me significant distress and uncertainty. As a consumer, I believe I have the right to be treated fairly, truthfully, and without misleading representations during the debt collection process, as guaranteed by the FDCPA.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action against United Collection Bureau for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, USAA sent a security alert to XXXX  XXXX XXXX saying funds I had transferred between those two account were fraudulently transferred so XXXX  XXXX XXXX held that money from my account {$5000.00} till now. On XX/XX/2023 I reached out to USAA and was told they cleared the security alert and no fraudulent transfer ... .however, USAA FAIED TO NOTIFY XXXX  XXXX XXXX and even after repeated attempts by XXXX. and myself USAA never responded. The funds were part of a personal loan I received from USAA AND HAVE BEEN PAYING 17.99 % INTEREST RATE and I spent days and weeks on the phone or sending correspondence since XX/XX/XXXX plus late fees on top of bills that I paid with those funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I applied for a loan with upgrade and I was sent an email stating that the loan was ready to be processed and the money was ready to be sent. I later received another email ( twice ) requesting that I send a photo of myself to them which I thought was strange since I am XXXX XXXX. And after sending the photo of myself I then had to call them for verification after Ive already been notified that the funds were ready to go. I then received another email stating that in order to get the loan I would have to join their credit union. These were just unnecessary steps to discourage the process. Upgrade was just looking for any reason they could find not to approve the loan. The discrimination is clear I was told the funds were ready to go. Then I was required to submit a photo of myself and after submitting the photo I was then denied. Which is credit discrimination. I knew I more than qualified based on what Upgrade advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: PR

Complaint narrative:
I received my credit report on XX/XX/XXXX XXXX and noticed there were hard inquiries that don't have permissible propose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681 B. I have also attached the inquiries that don't have no purpose to be on my credit report.

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 2023-06-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, and this a new complaint with updated information that has since been discovered after careful research and review. 

I have reviewed the documents presented in the last communication and have discovered that all statements provided from amex seem to be inconsistent with the postal rules prescribed by law. i have a few questions. 

why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe. 

Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? 

What makes amex exempt from these standard postal rules? 

also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? 

What your agency and amex is responsible for is for sending non mailable matter and is a civil and criminal offence. 

your response is appreciated. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This information was added to my credit report falsely. I want to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
I logged into my XXXX account with my name and social security number to find that my name had been changed to a name that is not mine. In addition to my name being incorrect, my social security number, my address, birth date, and occupation are all incorrect. Because of this, I decided to try to get my credit report from Experian. I used my name, social security number, and information to attempt to login. I was not able to log into my Experian account as it asked me security questions that did not have anything to do with myself. None of the jobs listed to choose were mine. I do not have a car loan. Because of that, I am not able to dispute the information through Experian. I decided to dispute this through the CFPB. Experian sent me my information and credit report through the mail. On the report, my name is incorrect, my social security number is incorrect, my address is incorrect, my phone number is incorrect, and my occupation is incorrect. The only account listed that belongs to me is a student loan. None of the credit cards listed belong to me. I currently have one credit card and that account is not listed. I have confirmed with the Social Security Administration that my social security number is mine and is not tied to anyone but me. XXXX reports my information correctly. I do not understand why my information is listed like this. I do not understand why XXXX could not fix it with my first dispute with the CFPB. I want my information to be listed correctly on Experian and on my credit report. I do not want someone else 's information and accounts affecting my credit.

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 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX  and 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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2022, I opened a US Bank checking account from a US Bank page that stated if I met specific requirements, I would receive a {$500.00} bonus. I clicked on the button below the offer " Apply now ''. I went through the application process, and the account was opened. 

I met all the requirements : - Enroll in online banking. 
- Complete two or more direct deposits totaling {$6000.00} or more to receive {$500.00} bonus. 

I did not receive the bonus promised. 

I spoke with a customer service representative XXXX XXXX XXXX, and she said that I was not eligible for the bonus because the offer was meant for a different person. XXXX stated that I must have received the link to the offer page from someone else. 

That is not correct. I did not receive a link from someone else. I found the offer on the US Bank 's own website. 

I asked XXXX for a physical address so I could send a complaint and she said they don't have a physical address she could give me. She gave me an email address XXXX. I sent the complaint to this address but didn't receive any acknowledgment or response. 

I am attaching the printout of the webpage where I found the offer and the button I used to submit the application. 

I would appreciate the bank reviewing my case and letting me know if they will honor the bonus offer.

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 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland has used multiple numbers, which includes spam numbers. Calls, after being told to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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