vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 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: NY

Complaint narrative:
My personal credit report has not been updated in the month of XXXX for my XXXX XXXX credit card. The last update was done XX/XX/XXXX. XXXX XXXXXXXX has reported this information at the statement close date on XX/XX/XXXX. Experian has failed to update the account balance. I went a step further and opened a dispute for the account, just in case XXXX XXXXXXXX was responsible for the lack of reporting ... .. XXXX XXXXXXXX provided the same account information again on XX/XX/XXXX to Experian ... and again ... no updates. This has happened several times with Experian. It doesn't seem to be by accident that activity and or payments that would increase your credit worthiness have an issue being reported, while damaging information is reported quickly. I do believe ... .based on the amount of times that this has happened..that Experian is indeed profiling credit profiles of individuals. I do believe that they look at race, ethnicity, address, employment status, etc. Nonetheless..it is damaging to me overall and has limited me in credit lines... housing opportunities..etc.

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 2022-04-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My credit report notes an open XXXX Comenity Bank credit card that I didnt open. It also noted late payments despite my previously perfect payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CT

Complaint narrative:
Disputed the following information to Current. 

Bank XXXX : Current- a financial technology company. 
XXXXXXXX XXXX is the sponsor bank for Current Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Current Card XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : {$3.00} XX/XX/XXXX - XXXX Reader : {$15.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$21.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$51.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX - XXXX XXXX XXXX  - {$23.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$12.00} Total Amount of Fraudulent Charges : {$330.00} Action taken from Current is returning only : {$3.00} from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

Email Sent to Me from the Dispute Team from Current : XXXX XXXX, XXXX, XXXXXXXX XXXX EDT Hi ( Name ), Thank you for reaching back out to us. 

Per our investigation, cash load funded XXXX. No spending velocity, transactions were made within a timeframe of more than XXXX hours. No fraudulent activity found. For XXXX, XXXX result XXXX. For XXXX, phone last XXXX matches. For XXXX and XXXX, fits XXXX spending habits with fast food restaurants. No error found. Case closed. Part XXXX : Dispute dept. received dispute with XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00}, settled on XX/XX/XXXX. UNAUTHORIZED. XXXX XX/XX/XXXX. Per our investigation, merchant sent full credit on XX/XX/XXXX. Error found. Fraud report added. Case closed. 

We take our dispute claims very seriously and investigate them with utmost precision and integrity. While we understand the outcome of the investigation is not what you had expected, unfortunately this decision is final. 

We thank you for your understanding. 
XXXX Sent Email Back on XXXX XXXX, XXXX, XXXX PM : I can provide additional receipt on my travel expenses that have time stamps and locations. I was on a business trip on behalf of my employer in upstate New York. Please let me know what can I provide to you that will validate my fraudulent charges. The only time I have used my virtual card via XXXX XXXX to pay for a car wash in XXXX NY that has my XXXX location. I assumed all virtual transactions couldnt be processed unless the XXXX XXXX validated my presence. My company card couldnt cover that personal expense. I dont want to escalate it to external parties due to inconsistent data sets that isnt matching any spending patterns that match any businesses that I conduct business with. 


No response after the email was sent to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  has failed to delete old information on my credit report. Also the information provided by XXXX XXXX  isn't 100 % correct. 

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

Code 15 U.S.C 1681 Sec. 604 A Sec. 2 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 2022-04-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report notes an open XXXX XXXX XXXX  credit card that I didnt open. It also noted late payments despite my previously perfect payment history.

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 2022-04-24 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: DE

Complaint narrative:
I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen 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 2022-04-24 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: DE

Complaint narrative:
I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We reserved a hotel with booking.com. In XX/XX/XXXX at 2022, I flew with my family to XXXX. We stayed at the XXXX XXXX XXXX DOWNTOWN until XX/XX/2022. Our reservation was scheduled to end XX/XX/XXXX. Unfortunately, we couldn't stayed until the XXXX. We spoke with the hotel administrator and explained the situation. They said that they were only charge us for the days we stayed with no penalties and they were going to refund what was left in our account with the remainder of the days with 5 to 10 business days. This didn't happen and i contacted Chase and open a dispute. Chase said that the dispute went in favor of the other side. Immediately I informed them I was not agree with the resolution. They open another claim and today XX/XX/XXXX, they haven't resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Comerica
State: GA

Complaint narrative:
MONTH EXPIRATION DATE OF THE DEBIT PREPAID MASTER CARD ACCOUNT IS OLIGARCH XXXX XXXX XXXX BREACHES FORGER WIRE FRAUD FEDERAL ACT OBSTRUCTION OF JUSTICE ANTITRUST LAW TROJAN HORSE COSPIRATORS PURJURY R.I.C.O. ACT 1970 SYSTEMATIC XXXX DISPARITIES APARTHEID COLLUDE-COLLUSION ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  AccounXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Amount {$440.00}, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XX/XX/2022 Amount {$440.00}, 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 2022-04-24 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
SYNCB/AMAZON ( Bank ) is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

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 2022-04-24 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: LA

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 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 2022-04-24 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-24 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: NC

Complaint narrative:
Called and disputed these inquiries online on my transunion credit report several times. I have had success getting these removed from my other credit reporting agencies but for some reason transunion will not work with me at all I dont know what else to do at this point this is hurting me and my credit. These are the inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/22, and XXXX XXXX. I did not authorize or approve these in at or have any use for them.

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 2022-04-24 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: MD

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

15 U.S.C 1681 section 602 A. States I have the right 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 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-04-24 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:
Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

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

Also...

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 2022-04-24 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:
Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

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

Also...

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: NC

Complaint narrative:
Called and disputed these inquiries online on my XXXX credit report several times. I have had success getting these removed from my other credit reporting agencies but for some reason XXXX will not work with me at all I dont know what else to do at this point this is hurting me and my credit. These are the inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/22, and XXXX XXXX. I did not authorize or approve these in at or have any use for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX, I received a debt collection notice from National Credit Systems ( NCS ) in XXXX, GA. I contacted them explaining that this was not a debt I incurred and is probably identity theft. They instructed me to contact the company that issued the debt. I spoke with the XXXX XXXX XXXX Apartments Assistant Manager who helped me understand what was going on. She believes it was identity theft as well, and said she would contact her person with NCS. She said they would get in touch with me. She sent an email to a XXXX XXXX XXXX with the company on XX/XX/XXXX. 

I would continue to not receive any correspondence from the company between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, a voicemail was left from an Idaho town of XXXX residents. This call would be from XXXX from XXXX. I called them to discuss the debt and they informed me they spoof their numbers because " nobody picks up XXXX numbers ''. I had received another debt collection notice from XXXX on XX/XX/XXXX and left a voicemail with a mister XXXX XXXX who was on the collection notice. 

I am writing this complaint because I had been called XXXX times from this debt collection agency using a spoofed number in the month of XXXX. No voicemail was left identifying themself as an attempt to discuss the debt I have fraudulently been assigned until XX/XX/XXXX. They have then moved to place a collections notice on XX/XX/XXXX on my credit file while I have repeatedly claimed that the debt was incurred under fraud. They had never informed me of my rights to dispute the debt even when I repeatedly claimed identity theft both in writing and over the phone. The collection letters do not disclose I have a right to dispute the debt. They officially instructed me on what I must do to dispute the debt on XX/XX/XXXX when they left the voicemail. 

Between not informing me of my rights, using a spoofed phone number to contact me, and not taking my claims of identity theft seriously, I am writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 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: DE

Complaint narrative:
THESE ACCOUNTS AND ADDRESSES NEED TO BE DELETED AND REMOVED UNDER THE FCRA 15 USC 1692. I HAVE NO KNOWLEDGE OF THE REPORTED ADDRESSES NOR ACCOUNTS PLEASE DELETE AND REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT I AM NOT ABLE TO OBTAIN ANY CREDIT IN MY NAME BECAUSE OF THIS MANNER. MY ONLY ADDRESS I HAVE CONTACT WITH IS XXXX XXXX XXXX XXXX, DELAWARE XXXX. PLEASE REMOVE AND STOP REPORTING ALL INCORRECT INFORMATION I HAVE DISCLOSED IN MY LETTER

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 2022-04-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  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 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