vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus Experian, XXXX and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored.

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I paid off the amount in full to Toyota Financial services. 
Since then I am trying to get my title and to no avail. I was calling every week to check when I will get my title. 
They told me I was calling to inquire about it, but never requested the title even though I was asking every time when will I receive the title. Finally someone helped removing the lean and sending the electronic title to the DMV ( according to them to GA dmv ).

When I called GA dmv they said they dont receive electronic titles, just hard copy. 
I am keep calling Toyota and the person there does pick up the phone, but not talking ( called XXXX already ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
The specific charge/receipt of {$100.00} is not my charge or my purchase. I am not " XXXX '' and that was not my room number. I did not place this order " to go XXXX ''. I stayed in room XXXX, not XXXX. It's not my signature on 2nd receipt. Note, the stay hotel/motel offered me {$200.00} credit, as seen on page 2 of 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have now requested that the dispute comments be removed from the XXXX  # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
During a routine review of my credit report, I found an account that I do not recognize. This account is being reported as a collection account and is updated every month, even though it is marked as closed. The name associated with this account is not mine, my legal name is XXXX XXXX XXXX. I have no recollection of ever opening or authorizing this account, and I have not received any communication or documentation about it. I am concerned about the impact this account is having on my credit report and score, especially since it is being reported as a collection account on a monthly basis. I have disputed this with the consumer reporting agency, and they are required to conduct a reinvestigation according to the Fair Credit Reporting Act ( FCRA ). If the information is found to be inaccurate or incomplete or can not be verified, the agency should promptly delete or modify that item of information from my file. I am eager to resolve this issue and ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Early Warning Services, LLC
State: WI

Complaint narrative:
Please see attached- Dear CFPB. I am a victim of identity theft. Early Warning Services has been reporting multiple fraudulent accounts to my consumer file that were not opened by me. This has been preventing me from opening bank accounts across various banks. I want these accounts removed from that file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: SC

Complaint narrative:
XXXX is refusing to Provide documents I have requested to Validate the alleged debt that is reporting on my consumer report. This is causing my financial hardship and needs to be resolved immediately!! 
I Contacted the creditor requesting Validation of the debt and asked for the original creditor. Received multiple responses that they did not investigate the request and did not provide the requested information due to the account number not being listed.. Requested the same debt be validated again this time including the account number that they reported on my credit report and once again received a response that they did not investigate the claim nor provide the requested documents to validate the debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank Of America has been creating bogus accounts and keeps calling me for their products or other related banking inquiries. 
the recent account was created without my notice, without my consent, without my permission, etc. here is the account info : Account # XXXX XXXX XXXX on XX/XX/XXXX, received the attached letter. 

Next, another account was created in the same fashion, without my permission or consent. 
The account number for this debit card is XXXX valid thru : XX/XX/XXXX, with a security code. 
please see the second attached document for their letter. 

Bank of America was called multiple times at XXXX XXXX XXXX XXXX, and told about these letters and accounts, to be closed immediately. All calls ended with the bank associate confirming the closure and indicating that no further incidents like that would happen. But again, it did happen. 

this is a record for XXXX XXXX, to make sure that if any financial fraud happens under these bogus accounts, or any other Bank of America account under my name, I, XXXX XXXX have never authorized Bank of America to open any accounts with my name on it. 

Regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI 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 2023-07-31 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: LA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I could not login. I called Chase and left my call back number. The system said it would take 13 minutes for a call back. I did not get a call back and it's been 5 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
I sent a letter to XXXX and Equifax to correct incorrect information that is showing on my credit report. Both companies are refusing to delete the incorrect reporting information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. Both companies have been given several chances to update the information. Instead, I am getting that the accounts have been verified. How can an account be verified when the information reporting inaccurate. Equifax disputes on this account was done on XX/XX/, XX/XX/ and XX/XX/. Each time the information came back verified. Experian disputes was done on XX/XX/2023 XX/XX/ and XX/XX/2023. 

According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : Acceptance now and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have now requested that the dispute comments be removed from the XXXX # XXXX be removed as I no longer dispute the account and it was resolved. I have made the request 3 times ( last attempt was on XX/XX/ ) to each bureau and it still appears. This dispute is interfering with my ability to obtain a mortgage and rates keep going up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an upgrade offer from American Express in XXXX of XXXX - in exchange for upgrading my card to a different one with an annual fee, I would be awarded points after spending so much money. I feel like this was a bait and switch, or maybe a bait and you get nothing but an annual fee and we get more money. 

The specific offer was upgrade from a card with zero annual fee to one with a {$99.00} annual fee. In exchange for the annual fee, points rewarded on purchases are higher than the card with zero annual fee, and I was supposed to receive a bonus of XXXX points after making {$3000.00} in purchases within 3 months. 

The offer sounded good, and on XX/XX/XXXX I completed the upgrade online using the link provided in the email. I completed the purchasing requirement within the time frame, however I never received the points. I've made multiple calls, spending hours on the phone trying to get the points, but I'm simply told that the offer code wasn't on my account for the upgrade, therefore they will not reward them. 

Sorry, but if there's a back-end issue, and my upgrade offer isn't attached to my account through the black box that runs the website and links to accounts, that's not my problem. I even called after applying for the upgrade and was told that it wouldn't reflect on my account for a while. 

After getting nowhere through escalating my calls, I sent two certified, signature required letters to their corporate locations in New York, NY and XXXX, TX. These were signed for XXXX XXXX and XXXX XXXX, respectively, on XX/XX/XXXX. 

I've given American Express 8 weeks to reply, and I haven't even gotten an acknowledgement that they received my letters, or any other contact except for sending more offers for other stuff or to upgrade my card to the next tier. Again, the main reason I went from a free card to one with an annual fee was for the XXXX point bonus. 

I've included as many supporting documents as I could to show what I expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: KY

Complaint narrative:
On XX/XX/2023 I loaded {$170.00} to my netspend checking account at XXXX. The next day I tried to make a purchase of {$37.00} and it was declined. When I tried to sign into my account I got a message stating : There is an issue with your account. Please contact customer service to resolve the issue at XXXX, as follows : Attached document. 
I'm on XXXX and could not get my medicine or food because of this. They wanted me to send copies of my drivers license, social security card and proof of address to them. I've had this account for XXXX years and am not sending my private information that they should already have. Also, the bank information on my ssa.gov account was changed to some bank and account number I have never heard of. I think it may have been XXXX XXXX or something like that. I got a new account and tried to changed it with the ssa. If my XXXX payment goes to this fraudulent account, I will collapse. I'm in my XXXX  and need my medicine and food. All I want is my {$170.00} back and this account closed forever. I have proof of my deposit if needed or anything else you may need me to do. I would appreciate it if you could expediate this. The stress is killing me. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: NY

Complaint narrative:
THIS IS NOT MY INQUIRIES PLEASE DELETE THIS. I NEVER AUTHORIZED THIS AND IT IS NOT LINK TO ANY OF MY ACCOUNTS. I HAVE NEVER APPLIED UNDER THOSE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CA

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. 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 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