vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-06-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-06-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
This account does not belong to me yet US BANK is reporting it on my credit. I do not think that it belongs to me.

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 2022-06-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Reference # 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 account without my written instruction.

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 2022-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Have filled multiple disputes with the credit bureaus and all say the information in the account is accurate. I have called Apple myself to verify if an account is under my name and have denied an account existence along the line of my dob, ssn, address, email addresses. I still see the Apple credit card is still being used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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: NJ

Complaint narrative:
On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my TransUnion credit report ; which indicated that my current and good standing auto loan with XXXX XXXX had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX credit score to a XXXX credit score. This information is inaccurate ; as I still have an auto loan through XXXX XXXX. My auto loan with XXXX XXXX is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other XXXX  ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. 

On XX/XX/2022, I contacted XXXX XXXX and spoke to XXXX at about XXXX XXXX, inquiring about the change to my TransUnion credit report ; as I did not receive a phone call or correspondence by mail or email from XXXX XXXX alerting me of this issue. During my phone call with XXXX, XXXX informed me that XXXX XXXX is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with XXXX XXXX. XXXX also stated, XXXX XXXX, the controller for XXXX XXXX, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least XXXX phone calls to XXXX XXXX and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXX XXXX  requesting assistance with this issue but this is still unresolved. 

As of today, XX/XX/2022, a month later, my TransUnion credit report has not been updated indicating that I currently have an auto loan with XXXX that is current and in good standing ; as this information is still missing from my TransUnion credit report. While this information has been removed from my TransUnion credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. 

Phone call dates : XX/XX/2022 at XXXX XXXX- Spoke to XXXX XX/XX/2022 at XXXX XXXX  - Spoke to XXXX, placed on hold, was on hold for XXXX minutes XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX  - No Answer

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 2022-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have 2 American Express cards, Everyday card and a Gold card since 1968. I had a refund from XXXX XXXX in the amount of {$1100.00} which was wrongly, by AM EX agent, applied to my " everyday '' card as opposed to my AM EX Gold.

I made numerous attempts to get the refund back to my AM EX Gold, they finally transferred {$1100.00} to my AM EX Gold NOT AS A CREDIT but as a " balance transfer ''??? I contacted them to correct the mistake only to find out unauthorized use of my rewards point by AM EX agent to offset the credit for their accounting purpose, the {$1100.00} refund from XXXX XXXX that belongs to me. Upon my objection to this unauthorized transaction they referred me to their reward point department to resolve it? Upon discussing the issue with reward point agent, XXXX, he opened a dispute file and fraudulent use of my award points to offset my credit {$1100.00}. UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NY

Complaint narrative:
New and updated information. Transunion has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. Transunion continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They are also violating many more of my consumer rights. Please see the attached documents as it contains my full complaint.

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 2022-06-20 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My individual checking accounts with JP Morgan Chase Bank ( Chase ) were hacked five times by parties unknown to me who were able to access my accounts without my knowledge or consent and fraudulently and illegally withdraw ( steal ) funds through outgoing wire transfers to third party accounts. Chase has refused to fully reimburse me for my funds that were entrusted to them. Furthermore, they have refused to provide me with any information as to what, if any, action they've taken to investigate these illegal acts and recover my funds.

Chase apparently has taken the position that I'm somehow at fault or contributed in some fashion to the first two hacks and illegal wire transfers, and they have refused to reimburse me for the funds that were stolen on those two occasions. I obviously could not have anticipated these hacks and illegal wire transfers ( that occurred in the dead of night ). I do not use wire transfers in my personal banking affairs, as I've repeatedly stressed to Chase representatives. I requested the wire transfer function connected to my accounts be disabled and was repeatedly assured by Chase representatives in Customer Service and Technical Support that it had been, yet the hacks and illegal wire transfers continued.

I have literally spent hundreds of hours attempting to resolve this matter before contacting the CFPB. I filed a formal complaint with the Executive Office of Chase in XXXX, TX via certified mail delivered XX/XX/2022. My complaint was assigned case number XXXX. I received an email from a Chase Executive Office Specialist ( researcher ) by the first name of " XXXX '' with whom I've spoken twice by phone ( the last time on XX/XX/XXXX ). She told me my case was under review by " legal '' but couldn't or wouldn't provide me with any additional information or tell me when I might expect resolution of my case. 

I wish to stress I was a loyal, longtime customer of Bank One and then Chase. I have been treated in a callous and unscrupulous manner by Chase. They have no grounds for withholding reimbursement of the funds that were stolen from me due to their lax security measures and negligence, and are in breach of their fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Recently opened a care credit account with Synchrony Bank, and they locked my account where I am not able to use it for my urgent XXXX procedure. I contacted the bank, and theyre requiring me to MAIL a copy of my state id and utility bill or full bank statement for them to unlock my account, which I never used, a process which will take approximately 30 days. I inquired if there was a more secure and timely manner in which I can resolve this, such as uploading the requested documents on a secure site, as I am not comfortable with mailing such information, they said no, and could not provide me with a valid reason why my account was locked, other then security purposes. I am not left to suffer with my XXXX needs because of their ineffective and careless business practice for a medical based card.

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 2022-06-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
never applied for a credit card or have ever contacted this company who ran a credit check which shows on my credit report. 

Comenity capital XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 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: NJ

Complaint narrative:
I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. Please be advised that I am the only person who is writing this comment there is no other party involved. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please see attached documents

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 2022-06-20 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I requested a credit freeze on my account and the company will not acknowledge my request. I have sent certified mail and I have not received any notifications from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights more than once, by taking inaccurate information off my credit report and putting it back on my credit report after the investigation was over. 

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

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NJ

Complaint narrative:
The address on the account, was incorrect.

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 2022-06-20 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: TX

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-20 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: TX

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: SC

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 XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX anXXXX XXXX XXXX XXXXXXXX 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 2022-06-20 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: SC

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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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 explanation