vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am in the process of trying to buy a home and my mortgage lender pulled a report that showed derogatory information from XXXX. This information had to have been recently put on my credit report because I have never seen this account nor am I familiar with this company. I reached out to this company on XX/XX/2022 and spoke with a man named XXXX. Once I gave him all of my information ( SSN, Date of Birth, etc. ) including the account number that was on my credit report associated with this account, he informed me that he could not find the account. 

He then stated that the account was associated with a different person AND different address but he could not disclose who it was. He then transferred me to their " specialized team ' and XXXX informed me that the name on the account was XXXX XXXX or something along those lines and she saw my name no where associated with the account number or their system. The time of this call was @ XXXX and I believe I was transferred to 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 2022-04-19 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from AMEX on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from American Express and I have been injured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I tried to apply for a credit card with Navy Federal and was told I have a credit card under my social security number with a different name ( XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
i disputed an address on Equifax and they claim the information is accurate although it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX  XXXX -XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Plus Inc
State: ID

Complaint narrative:
We received unsolicited marketing emails from a scam company after opting out of publicizing our credit report and mortgage applications from the following company : XXXX XXXX XXXX The company 's principal address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

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 2022-04-19 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: IL

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 BANK XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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:
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 BANK XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX, so I filed a dispute against XXXX XXXX on XX/XX/XXXX. I filed the dispute because I received the wrong order of groceries, and XXXX acknowledges that I received the wrong groceries!! They tell me to go dispute the transaction and so I did. The dispute number is XXXX. Okay, so I contacted chime to day, and I received a interesting email 9 days into the dispute! Chime tells me the dispute is closed and denied!! Im checking and the dispute is still open, but its denied! I contacted chime thru phone and they its open, but Im told the dispute is denied. As a chime customer this is saddening, and frustrating because I dont know if theyre actually trying to help me get my money back!! Im not in the wrong here, XXXX made a mistake, and I go to chime, and it seems theyre not willing to fight this charge and get my money back!! This is an unappreciated and discouraging experience!! I expected better from the bank I put my money and my trust into!! Ultimately, I need chime to get my money back!! I dont need to be screwed over!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: SC

Complaint narrative:
On XX/XX/2022 - I sent a letter to Frontline Asset Strategies requesting VALIDATION of the debt that is appearing on my credit report. On XX/XX/2022, I received a letter dated XX/XX/2022 which contained a XXXX page front/back bill from XXXX in the amount of {$1300.00} dated XX/XX/2022. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor have they been able to provide any validation of the debt. 

Below is the exact verbiage of the letter that I sent to Frontline Asset Strategies : My credit report shows a collection from your agency. I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all of the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number. 

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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  NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled XXXX Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX  XXXX -XXXX  XXXX -XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX -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 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 explanation
Consumer complaint received 2022-04-19 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: PA

Complaint narrative:
Transunion/XXXX  are reporting an alleged debt of {$94.00}. Both agencies have inaccurate information reported. Ill provide a few examples 1. Date opened both have different dates 2. Payment status states its a charge off but it has a balance of {$94.00}.

3. The comment section both agencies provide different remarks. 

My issue with it, is first I never gave consent for my personal or medical information to be furnished I have a right to privacy. In addition I never signed a hippa release form for XXXX XXXX. Therefore its inaccurate and also a hippa violation. XXXX laws are to protect my personal and medical information. FCRA is put in place to make sure I have fair and accurate credit reporting I am entitled to that by law. And that didnt happen in this case. 

Please provide me with verification and validation that allowed you to furnish this information. Im sure you must have something that that ties me to the alleged debt. Please provide my with a letter given you consent to furnish this information please provide and documentary evidence regarding this alleged debt. I know you can not withhold any information from me to be in compliance. You have to provide me with everything that Im requesting Heres tracking number for XXXX XXXX Tracking number for XXXX Tracking number for 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 2022-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
My father whom I dont speak to nor want him to have any of my personal information has received about XXXX phone calls in the month of XXXX and XX/XX/2022 and his employer has also received phone calls regarding a debt that I owe, that I am not aware of at all. They have now sent my father a bill of collections under his name with his address and all the fees owed. My father has tried to let them know on multiple occasions thats he does not owe that money and they then gave him very detailed XXXX information about me. They are now threatening to take him to court and put this under his credit score. 

The companys name is Professional Finance Company Inc, he received the letter on XX/XX/2022 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

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 2022-04-19 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: SLM CORPORATION
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

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 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CBE Group, Inc.
State: SD

Complaint narrative:
XXXX has been calling my daughter repeatedly. She lives in Arizona and they have been calling her around XXXX am almost daily for at least the last month. She called the company today and they were calling about a debt that I owe. I have never heard of this company and I have never received information about a debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Call from XXXX mention that I have problem with the XXXX  system in XXXX XXXX ... XXXX-2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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:
n accordance with the Fair Credit Reporting actXXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was given a brand new prepaid gift card for my birthday, last year. I placed in my drawer with several others. Decided to use it yesterday. Tried to activate it on the website, but the website is no good. Called and was told the card was registered to someone else after providing the number. Did a 3-way call with the purchaser. She confirmed the card had not been used, she no longer had the receipt but had gotten a call from someone else she purchased a gift card from this company. Same problem. I requested information to substantiate their clam and they could provide none. They wanted my personal information, which I absolutely would not provide. They began disconnecting the call every time I phoned back. My friend is out of a {$100.00} and I have a useless gift card. This company is fraudulent. www.prepaidgiftbalance.com - XXXX What can be done?

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