vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX XXXX refunded XXXX tickets for {$10000.00} each on XX/XX/22. I currently have an account balance of - {$15000.00} on my US Bank credit card due to these refunds. US Bank will not refund the balance. I have contacted them via phone four ( 4 ) times and get the same answer. Due to the size of the refund, management approval is required, and will be done tomorrow. I have heard this three ( 3 ) consecutive times. Today, XX/XX/22, I heard the exact same answer. 
They received the credit of {$21000.00} from XXXX XXXX, immediately deducted my account balance, and froze my credit for {$15000.00}. Are they allowed to hold my money this way?

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 2022-12-07 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: GA

Complaint narrative:
I have been trying to get my personal information on my report accurate since XX/XX/2022 with Experian. The method of contact each time I have contacted them to dispute my personal information were by phone. I received XXXX emails afterwards each time I contacted them via phone. XXXX was to rate my experience and the other one was my dispute results. 

Experian removed all inaccurate information on my report for personal information except for XXXX of the names that is attached to my report that is inaccurate. The name that is showing up as First, Middle, and Last name is inaccurate. I have a total of XXXX names showing up under my personal information ; XXXX of the names is inaccurate due to incorrect spelling of the middle name which can be labeled as a form of fraud. To prevent that from happening I called again ( multiple times ) the same day of receiving my dispute results e-mail on XX/XX/2022. Hoping I could get it removed. 

I received my dispute results on XX/XX/2022 for the phone dispute I did after calling again. 

I spoke with several employees but this specific male employee ( I have his first name only ) did not have good customer service. It seemed as if he already knew what I was calling about so he was prepared. I asked to speak with the office supervisor or manager and he stated that he was not transferring me to the supervisor. Instead, he asked me what I wanted to speak with the supervisor about over and over. Please, pull the phone record if needed because I had a very bad experience when all I needed was the inaccurate name removed. His attitude was more nice nasty and his customer service should have been better because his job is to help me even if he can't. 

It is now XX/XX/2022 and I still have the inaccurate/misspelled name on my report when it needs to be removed. Experian employees was giving me a hard time about it and wouldn't remove it even though I have every right because it's 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 non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Letter sent to credit card company below To whom it may concern, I would like to reopen this case where the merchant XXXX XXXX has charged me {$190.00} without authorization on Thur, XX/XX/2022. The merchant XXXX XXXX is a hotel that I stayed in from Mon, XX/XX/2022 to Fri, XX/XX/2022. I made my first transaction with the merchant on Tue, XX/XX/2022 for {$280.00} to confirm my reservation. I received an email confirmation with the total cost of the reservation {$570.00} and remaining balance of {$280.00} to pay at the hotel. On Sun, XX/XX/2022 an additional guest was added to the room and the remaining balance increased to a total of {$670.00} to pay at the hotel. On arrival at the hotel I was charged the remaining balance and signed papers confirming the amount I was being charged for. My guest and I did not participate in any activities during our stay that incurred additional cost. However, during my stay I noticed a charge of {$190.00} posted to my transaction activity but I did not authorize the charge. I do not know where the charge is coming from and have not been provided with any detail regarding the charge by the merchant. Upon checking out I asked the front desk worker about the charge and they did not see the charge on their end. I assumed this was fraud and someone illegally gained access to my card. After my dispute was rejected by Barclays I called the hotel again, a XXXX number which may incur charges. I was placed on hold for over an hour trying to get in contact with someone. I recorded the conversation with the front desk worker who stated they did not see the charge on their end again and I would need to speak with the invoice department. I then waited on hold again to reach someone in the invoice department who has yet to provide me with an invoice regarding the charge.

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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This is not a duplicate PRA failed to let me exercise my federally protected rights. I sent a Notice to Cease Communication directly and indirectly and told them I am not paying them for the alleged debt as stated in 15 USC 1692c however failed to cease communication from my consumer report and still infringing upon my rights to privacy I never gave this company my consent to use my personal information and they are attempting to collect an amount of XXXX dollars that they say are owed to XXXX XXXX which is ( fraud ) material misrepresentation as I never did business with PRA. 
Check attachment as this is my last chance trying to rectify this issue when I never gave you consent to use my personal information meaning you are committing aggravated identify theft and fraud and will be reported to the FTC and legal matter will be held against you as you are willfully and knowingly using my consumer report with Extortionate means violating 18 USC 894. It is not my duty to teach your employees the law however I will hold you in noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, Please see the documents attached to this complaint. 

I hope you can help me solve this problem..

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 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
My lawyer and I sent forms to guaranteed rate to apply forebearance last XX/XX/2022 and recieved two letters in mail from them stating they had recieved XXXX XXXX regarding to my forebearance application and sent to loss mitigation dept for farther review. I kept calling through XXXX XXXX XXXX because I'm XXXX  and they gave me runaround for four months. I kept calling and calling then I called last week XX/XX/XXXX and they said there's no file of any kind but only hardship letter from me. My lawyer called them and was told it was sent to proccessing dept and they found the file on XX/XX/XXXX. Lawyer was told the supervisor will contact me by email within 48 hours because its the best way to communicate because I'm deaf. I haven't gotten any email from the supervisor, Not a word from them and TODAY XX/XX/XXXX I called them through deaf relay service and spoke to someone at loss mitigation dept and they said my file, my forebearance application has NOT been reviewed. I asked to speak to the supervisor. They put me on hold more than 30 minutes and got disconnected. Im in a real bad financial situation. Because they took so long since XXXX and kept stalling and not doing thier job fast enough and they are very sloppy with the process of my application by not knowing where it went or whom to talk to or not responding me with correct answers or even any kind of confirmation of my forebearance application. Im extremely upset they took so long and being shut out because I'm XXXX Or what. I do not know. I want to report complaint against my mortgage company for the lack of respect to XXXX XXXX  man, by giving me a runaround, not to doing thier job in timely fashion. They failed to do so within the time limit required by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-07 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of conviction of crimes which atendates the report by more than 7 years.

15 U.S.C 1681 s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 non-monetary relief
Consumer complaint received 2022-12-07 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: NJ

Complaint narrative:
Equifax fail to remove the old address on my report which I stated to them to remove the information on my report, its still on my report. They refuse to move the items off my report thats against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-07 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: PA

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. Account Name : XXXX, XXXX Account Number # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: GA

Complaint narrative:
Unauthorized inquiries on my credit file. The following inquiries do not belong to me. 

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

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 2022-12-07 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-07 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 


This is an immediate request for removal and blockage of incorrect information. 





Unauthorized Accounts to be Removed IMMEDIATELY XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$0.00} Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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