vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and i noticed some inquiries that i did not authorize : XXXX-XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance XXXX Experian XXXX XXXX XXXX XXXX - Credit Union  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance XXXX Experian XXXX XXXX XXXX XXXX - Credit  Union  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance 1XXXX Experian XXXX XXXX XXXX XXXX - Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS  complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be XXXX  out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning AMERICAN EXPRESS COMPANY and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MS

Complaint narrative:
XXXX TransUnion and XXXX to cease using my information

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 2023-06-25 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: MS

Complaint narrative:
XXXX XXXX and Equifax to cease using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
MY bank USSA is telling me that, I am responsible and liable to pay a vehicle loan I had taken out on XX/XX/2023 for XXXX to purchase a vehicle, a vehicle I never received from the dealership and do not have. the dealership committed fraud and filed for bankruptcy 3 days after receiving full payment from the bank on XX/XX/2023. I never received the vehicle nor was it ever in my possession. the bank wired the full payment to dealership account and didnt secure lien on this vehicle. The bank dont have the title or a lien hold on this vehicle. The bank did not secure the lien and dose not have the vehicle as collateral. So they are saying I am responsible even though the dealership breach of contract and breach of the New Hampshire Consumer Protection Act. That I am still at fault for the dealerships crime. The bank said Because the contract was with me and not the dealership I am responsible. I dont see how I would be at fault to pay back the loan. I have no vehicle and the bank has no collateral or Title on the vehicle. The bank doesnt own this vehicle because the lien was never secured on the vehicle I was trying to purchase.

I called USSA Numerous times to inform them about the dealership fraudulent scam so that we can collectively go after the dealership so they could pay USSA back. But USSA did not look into the situation even after I provided them with all the Documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I began the journey to repair my credit in XXXX of XXXX. As a single parent my funds were limited and going through Lexington Law to have my credit repaired made total sense. I pulled my Credit Report Initially and along with a rep from the company. We had a consultation over the phone of what needed to be removed and the cost. I was told that initially it would cost XXXX a month. That would cover the fees and a removal, and that i should have a card on autopay to be charged because items would be removed. Not only was i charged XXXX monthly, i was charged that amount about 2 times a month and also an amount of XXXX a month as a subscription amount that i had no idea about. To add insult to injury nothing at all was removed from my credit whatsoever. I have been paying this company since XX/XX/XXXX and have not received not 1 result. I have reached out to the company and have been told that the subscription cant stop. They are continuing to charge my card XXXX XXXX times a month and the XXXX ( sometimes twice a month ). 
I do have supporting Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
on XX/XX/2023 I received an email from Sequium Asset Solutions , LLC stating allegedly that I owe a debt to XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine for estoppel by silence. Engelhardt V Gravens ( MO ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In a good faith effort to resolve this matter amicably. I state my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection action and correct erroneous reports of this debt as mine. For the record I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 U.S.Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non affiliated two party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 disclosure of instituition privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MT

Complaint narrative:
I have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to XXXX approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX drive, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a credit score under XXXX, I can't reverse things due to stress and my XXXX disorders, didability doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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:
i disputed XXXX unauthorized accounts with equifax. there are a total of XXXX disputes opened to get rid of the same XXXX accounts. there were XXXX and now there are XXXX for the same accounts. this is just uncalled for. i sent in the proper documentation to get the accounts deleted and nothing has been done. XXXX disputes total to get rid of the same XXXX accounts is way too many and uncalled for. i am about ready to sue equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have serious concerns that TD Bank ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for almost 2 months now. 

Please see detailed documentation of my complaint, attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I purchased a table and 6 chairs from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I opened a store credit card and was given a {$1000.00} line of credit. The table and chairs was a total of over {$2300.00}. I put {$1000.00} on the store card and used my ATM for the balance of XXXX. I made the usual payments for months. On XX/XX/XXXX I made a balance transfer of the remaining balance on my XXXX XXXX XXXX of {$620.00} to my XXXX XXXXXXXX XXXXXXXX XXXX 
On XX/XX/XXXX I received an alert that my card was used for {$1000.00}. I immediately called all the number on the back and reported fraud to to XXXX XXXX the credit card servicer. They told me they would take care of it and opened a fraud investigation. I faxed the paperwork they had sent me on XX/XX/XXXX. Months later I got a statement from XXXX asking for a payment on the XXXX. I called the fraud department and the woman informed me that my claim of fraud was denied because I did recieve the table and chairs. When I told her I had only purchased 1 table and chair set she put me on hold to confirm. She came back on and told me that in fact it was the same purchase and she would re-open the case. It has now been 6 months and they have not solved this issue and in fact, the charge is still on my credit report. They are not helping and I am at a loss. I am confused and in disbelief that this can happen. They have been complacent and delinquent. 
I will inclose or send all of my documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 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 Account # XXXX, has violated my rights. 
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 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 2023-06-25 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: SC

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 to 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 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I'am victim of identity and Unauthorized charges that has been detected on my credit report without my authorization. Debt collections I am not aware of please. dispute all items that's on the Police report. I had reached to furnishers that is associated with accounts, nothing has taken action.

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 2023-06-25 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:
I have been disputing this account for years and they keep saying it's verified but the address is not mine that is attached to the report nor is that my name that is also on the report.. the company refuses to Delete the report off my credit.. 

Also... It's against to report to credit bureaus while I am disputing this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Thank you and bless you so much. The indigo G/F credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reported that my indigo card is XXXX percent ratio usege.according to what I have up on the monitoring wall my balances should not be XXXX percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to XXXX my score dropped XXXX points. I believe that I could have been wrongly singled out and that my good credit worthy trust by indigo was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
Everytime I apply for a us bank credit card they wont process my apps give me a hard time I need a secured card to reestablish my credit and they wont approve 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 2023-06-25 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/XXXX my credit card got compromised, I got a text message approving the transaction which I did not approve, and we called Barclay, they promised me that the charge fraud will be resolved, on XX/XX/XXXX they charged me for the fraudulent transaction

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 2023-06-25 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Last year I had a joint account in Wells Fargo with XXXX XXXX. The balance was always paid some months overpaid. One of the months the payment was applied not to our joint account but one of her other accounts by an employees mistake. Upon notice that it was due still I paid the account in full, thus having no late payments of having to deal with that mistake again. This was paid for in full in XXXX. However XXXX has it marked as having a late payment for XXXX even though this payment was processed in XXXX. Being as this is the only late payment on my entire credit report and it had nothing to do with my inability to pay it but instead a employees mistake I would like this removed from my credit report. When I spoke to an employee last they said it wouldn't matter or affect anything that it was resolved.

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