vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX has put a inquiry debt on my credit report by contacting Experian to do so as of XX/XX/XXXX. I did not give them permission under the fair credit report act to do so. I have filed an police report of Idenity theft at the XXXX XXXX XXXX  on Yesterday XX/XX/XXXX also contacted XXXXXXXX XXXX  yesterday to have them to remove this off of my credit report. This issue was reported by me last year and removed under the fair use credit report and put back on my credit report as of XX/XX/XXXX. This charge was supposedly charged off my credit report and removed back then. The debit was in XXXX car was voluntary given back to XXXX in XXXX they sold this vehicle 3 weeks later. It is now XXXX and Experian is still reporting this debt on my credit history without my permission as I used the fair act credit report dismantle of reporting any credit debt without my permission.

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 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
The company called and told me that they were fixing the charge and reinstating my account. They also told me that they would make it so that I could add my bank account to the new account instead of the previous account. This is not what happened. I attempted to add that bank account again, several times, and when I tried manually, my account got frozen... AGAIN! This is unacceptable and this is still the worst company I have ever had the displeasure of working with. This process has been frustrating and annoying and quite frankly, I would advise anyone not to even bother ever trying Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
On Thursday morning XX/XX/2023 I was hacked and all of my data compromised, my banking information, my email and cell phone was all compromised. The hacker stole all of my money from my credit union account which is tied to making payments to both loans with Upgrade. I attempted on Friday XX/XX/2023 to update all of my compromised data email, cell phone number and banking information with a representative who said they would need me to call back in 3 to 5 days so they could determine what needed to be done. I called today XX/XX/2023 and spoke with another representative that advised they would need to send codes to the email address or phone they have on file to update my information. I can not access the compromised email address as the hacker has complete control over all my data and I do not need this hacker causing me more harm by having access to the new data to the code to provide updated data and I have obtained a new cell device and modem and router equipment with my provider XXXX as the hacker installed a virus that updates all information to the hackers servers. Upgrade will not take my updated banking information for me to be able to make payments, they will not take my new cell number or new email address making it impossible for me to maintain my payments with them as I have NO ACCESS to my accounts and I can not use compromised data to access. I dont have access to the email and they advised the only way is to send a code to the compromised email account or phone which no longer exist. I was advised to go back and get the email scrubbed and reactivated so they can send a code and update my information which makes no sense whatsoever since I am the victim here of hacking which is a Federal offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/23, XX/XX/23 and XX/XX/23 and received no responses, in regard to my disputes. There is inaccurate information and accounts that are not mine, reporting on my credit report and the credit bureaus have not upheld my rights as a consumer by investigating my disputes and making the corrections to my credit report as I have asked them to.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/23, XX/XX/23 and XX/XX/23 and received no responses, in regard to my disputes. There is inaccurate information and accounts that are not mine, reporting on my credit report and the credit bureaus have not upheld my rights as a consumer by investigating my disputes and making the corrections to my credit report as I have asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a collection that is not mine and duplicate credit card account reporting i sent XXXX letters showing that it is an error yet still came back as verified which is definitely false 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 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I had a credit card with XXXX XXXX. I am going through hardship and need some help from XXXX XXXX. I contacted them several times asking for help, and was told I didn't qualify for assistance. I then received a letter from XXXX XXXX on XX/XX/2023 that my account was turned over to a collection agency, XXXX XXXX XXXX. They gave me their contact information, I wrote a letter to XXXX XXXX on XX/XX/XXXX asking for help and asked that they contact me via mail, not phone or email. 
On XX/XX/XXXX, I got a collection letter in the mail dated XX/XX/XXXX from a company called Guestel Law Firm stating they were representing XXXX XXXX. I was very confused and assumed this was a scam. They gave me an email address so I wrote them an email on that same day ( XX/XX/XXXX ) explaining my concerns that XXXX XXXX told me I was working with XXXX XXXX XXXX, not with them. I asked for clarification on who I was to work with on this matter. I never heard from them again, so, I assumed I was correct that it was fraudulent activity as they were never mentioned by XXXX XXXX. Then, last night around XXXX, I answered my door and was served a summons that I was being sued for a debt I owe to XXXX XXXX, filed in XXXX XXXX MN. 
I never got clarification on who was handling the account. XXXX XXXX never XXXX time mentioned this law firm, and they never bothered to reply to my email. So I was waiting to hear back from XXXX XXXX. Now, I have a summons even though I clearly stated in my email that I was confused and needed clarification. How can this be legal? I was never told that my account was going to be sued. 
I have always paid my bills on time. I do not want to be in this situation, but I am. And I can't do anything about my financial situation at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
When I realized I used money in my acct that was for a bill I checked the acct on XX/XX/XXXX ( Mon ). The check wasnt posted and my balance was {$2.00}. I rushed to the atm and deposited {$160.00} cash. The receipt shows my cash deposit and the available bal being {$160.00}. 
On XX/XX/XXXX I checked acct and balance was {$2.00} and the checked cleared. On XX/XX/XXXX I checked my acct and balance showed {$160.00} and showed the check cleared on XX/XX/XXXX then returned on XXXX and my cash deposit was posted in XX/XX/XXXX. What? 
In last month they have had problems with notifications being sent 1-2 days after the transactions. XXXX at Regions Bank told me theres a glitch in the system and my check was already in process. That doesnt sound right my cash deposit was posted on XXXX and my check posted on XXXX ( according to them ). Wrong- it was in reverse. I have a receipt showing the truth. Now the check for my water bill bounced and they will never allow me to write a check to them again. Please help.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a late payment on the First Premier account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a late payment on the First Premier account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP

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 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I had a credit card with American Express. I am going through hardship and need some help from American Express. I contacted them several times asking for help, and was told I didn't qualify for assistance. I then received a letter from American Express on XX/XX/2023 that my account was turned over to a collection agency, XXXX XXXX XXXX. They gave me their contact information, I wrote a letter to XXXX XXXX on XX/XX/XXXX asking for help and asked that they contact me via mail, not phone or email. 
On XX/XX/XXXX, I got a collection letter in the mail dated XX/XX/XXXX from a company called XXXX XXXX Firm stating they were representing American Express. I was very confused and assumed this was a scam. They gave me an email address so I wrote them an email on that same day ( XX/XX/XXXX ) explaining my concerns that American Express told me I was working with XXXX XXXX XXXX, not with them. I asked for clarification on who I was to work with on this matter. I never heard from them again, so, I assumed I was correct that it was fraudulent activity as they were never mentioned by American Express. Then, last night around XXXX, I answered my door and was served a summons that I was being sued for a debt I owe to American Express, filed in XXXX XXXX MN. 
I never got clarification on who was handling the account. American Express never XXXX time mentioned this law firm, and they never bothered to reply to my email. So I was waiting to hear back from XXXX XXXX. Now, I have a summons even though I clearly stated in my email that I was confused and needed clarification. How can this be legal? I was never told that my account was going to be sued. 
I have always paid my bills on time. I do not want to be in this situation, but I am. And I can't do anything about my financial situation at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-20 00:00:00
Product: Credit reporting 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:
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief