vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have a gift card from VanillaGift.com. Someone is stealing my balance of XXXX. I called vanilla gift ( XXXX ). They told me there was no way to stop it. 

I was given the following info about the purchase : XXXX XXXX  XXXX ( XXXX ) New York. I contacted the XXXX but they had no info. I called the number but the line had a busy signal and then cut-off. 

VanillaGift will not refund my money unless the charge doesn't go thru. I was told I can file a dispute after 7 days, but there doesn't seem to be an actual path to resolution. 

I checked my balance twice today and it was XXXX I called them because on of my charges with XXXX was declined by Vanillagift. I tried 3 times to speak to a representative. I finally got thru at about XXXX ( Pacific time ). It took almost an hour. 

Today was the first time I have called VanillaGift to get my card balance. I don't think it's a coincidence that the card was hacked after I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am filing this complaint against Experian and XXXX for continuing to report and furnish inaccurate information on my consumer report after several disputes have been launched and being in violation of the FCRA.

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 2023-04-06 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: MA

Complaint narrative:
XXXX  consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from XXXX that show account was paid before the due date. This is not the first time XXXX has falsely reported information to the credit bureaus

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 2023-04-06 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-06 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: PA

Complaint narrative:
I received correspondence from XXXX credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.

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 2023-04-06 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: PA

Complaint narrative:
I received correspondence from XXXX credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.

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 2023-04-06 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-06 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
In accordance With the fair credit reporting act XXXX  account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Monday, XX/XX/XXXX Nordstrom closed my account without notifying me. I had bill paid on this credit card which is a Nordstrom Visa card. ( Good thing I called regarding receiving a new card ) I spoke with several reps and managers and was told due to my credit score, they would not issue me a new card. I reviewed my Nordstrom report online which states I was in good standing paying on time and my credit score probably was not reported correctly by XXXX. I was a member since XXXX, I was devastated by Nordstrom closing my account which I used to pay my bills. Also, I noticed online Nordstrom has a blacklist for consumers which they use to close their accounts. I was never notified was makes the decision disheartening and I thought I was a valuable customer, especially during times when consumers need assistance. Nordstrom is looking out for themselves and no I have to pay a credit card that I can not not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with a XXXX she advised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # XXXX : XXXX case # XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank has just falsified information, which in their enclosed response letter they said, " Please be advised, Citizens is required to furnish accurate information to the credit bureaus. '' Citizens noted that I gave them a card that was expired. This statement is entirely false. I would never do that, and it is not in my nature. I do not practice fraudulent behavior ( my credit report reports can prove that ). Instead, The XXXX representative entered the wrong expiration date, so the payments were not going through. I have bank statements from that credit card company ( XXXX, which I provided ) showing XXXX charged me every month since opening the account. However, the payments did not go through for Citizens Bank because their expiration date on file was incorrect. 

Also, the messages they claim to have sent were automated monthly text messages containing NO account details. I still get the same message to this date ; " Citizens Pay : For more information on your Citizens Pay Line of Credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I uploaded those pictures. Then when you click on the link, it takes you to the sign-in page and then to the home page. There is no indication that my account was delinquent, and I have NEVER been late on a payment for any of my accounts. My credit history can prove that as well. 

Therefore, once again, this is not my fault. This business is fraudulent and impossible to deal with, and they have no remorse and can't even admit that it was Citizen 's fault. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
GoodLeap , LLC is a finance company for solar panels. On XX/XX/2023 my Wife, XXXX XXXX sent them a debt validation request and requested that until they sent a response to the debt validation they cease reporting any negative or derogatory reporting to the credit bureaus and code the tradeline as " in dispute. '' To date GoodLeap has not provided validation and reported the tradeline as delinquent causing my XXXX credit score to drop XXXX points ( XXXX to XXXX ) since XXXX. 
They knowingly violated the FCRA by not accurately reporting the dispute. And I have never been contacted by GoodLeap about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I leased in XXXX of XXXX this car and expressly asked if Ally Auto would allow a lease transfer. Yesterday, I attempted to initiate a lease transfer and they told me that they no longer allow it as of XXXX of XXXX, as they changed their policy. This has created a hardship for me, as I only entered this lease because I could transfer the vehicle to another party because I expected a car that I had ordered to become available during the lease term.

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 2023-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have no knowledge of this debt.they have tried to contact me via my employer that I currently work at. They have not been able to provide me with any knowledge of this debt or ownership of his debt even after asking several times of the terms of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
CFPB THANK YOU FOR ALL THE HELP, TD bank i have account for over year open with them the only allowed me to do wire, i can not pay my employees with ACH, i can not used my debit card, i can not withdraw money from the account end the charge me {$1500.00} for every wire i receive because im not allowed to receive ACH is well, so the charge me for every wire i do its {$3000.00} its my business account, so all this month bank been charge me more then {$10000.00} in fees end i still can not used the account can not complain i went to the bank so many time, i can not remember how many times i complain about this situation with then so please help me out again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-06 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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