vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express is inaccurately reporting and effecting my score negatively because of this and my ability to gain access to credit to provide needs for myself and my family due to this matter. 

I would like the company to provide copies of : All billing statements from account opening date, a list of people you have sent my personal information to. 

The Gramm-Leach Bailey disclosures A copy of the 1099-C cancellation of debt if applicable Date of first delinquency I would like this information within 14 days in order to complete compliance Please send all correspondence regarding this matter to my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Freedom Debt relief is asking for money ( settlement fees ) on a paid off account that I was sued for and subsequently I had to pay the credit card company directly or go to court. they failed to live up to their bargain of having their attorneys negotiate for me, which i paid them to do. they did not communicate with me in good faith as my court date approached and i was forced to pay the credit card or be sued for the amount plus court costs and attorneys fees. Freedom Debt Relief ( Freedom Financial ) failed to pay the credit card company money i had in my account as well as kept fees associated with said account. Now they are asking for money associated with this account that i Had to pay the full amount to the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 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:
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 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.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 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.

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 2023-06-16 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
CFPB XXXX No : XXXX & XXXX Ref : XXXX & XXXX After receiving your most recent response my account has been credited for one of the fraudulent transactions. I called on XX/XX/XXXX and was told by XXXX that one credit was issued and the other one is being looked into for the other fraudulent transaction. I was told on XX/XX/XXXX that XXXX would call me within one week as the supervisor who is dealing with this. As of today, XX/XX/XXXX, I have received no calls, voicemails nor messages from Amex. 

To reiterate the points of my frustration : - while in possession of my card and ID, an establishment ran 2 charges of {$7700.00} each without my permission and using a fraudulent signature. I have provided my ID to show this is not my signature- this back and forth with Amex has now been going on for over one year- I have been told multiple times on a recorded line that both cases have been closed in my favor and even not to worry about the charges showing again on my account as it was an error - Amex have not responded to letters written by me nor my lawyer- This has been passed around to maybe 6 supervisors, 1 of whom has actually called me back - On XX/XX/XXXX, your representative refused to give me the contact details or information for service of process. This is illegal - Once again I have been waiting for over a month for a callback. The customer service is laughable. How is it ok for a company to promise a callback from a supervisor and only follow through on a XXXX in XXXX basis. At the moment I can get no information, no callback and any information I get is conflicting. 
- Amex requested a police report but only requested this 10 months after the issue at which point this was no longer feasible - For a year I have had fraudulent charges sitting on my account affecting my credit and my mental health - If this is not resolved immediately in my favor, my lawyer will commence legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
Improper use of consumer report and violation of consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
On XX/XX/2023, and XX/XX/2023 I submitted investigation and validity letters to the credit bureau via certified mail, asking for them to investigate some erroneous invalid reporting. 

The credit bureau is double reporting an " unverified '' debt which is negatively impacting my credit. 

The alleged debt is from XXXX XXXX  # XXXX. However, XXXX XXXX XXXX  are reporting the same " invalid '' debt on my credit for XXXX XXXX  # XXXX. Neither company has any right to report on my credit because this is not my debt! Both creditors have failed to show me any accurate documentation to validate this debt! I want these immediately removed from my credit report. I have suffered long enough just trying to get through to robotics of this credit bureau not taking my investigations and credit seriously!

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Notice of interest notice of proceeds notice of claim. Notice of accounting errors. balance of account should be 2000

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: CA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX  I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK
State: NJ

Complaint narrative:
1.CATHAY BANK illegally authorized an imposter to open account number XXXX to commit FRAUD as an auto dealership, ( XXXX XXXX XXXXXXXX XXXX XXXX 
I trusted the FDIC insured bank ( CATHAY ) bank with my wire transfer ( {$65000.00} ) to purchase a car from my XXXX bank account. on XXXX 
2. I immediately placed a ( RECALL ) to the wire transfer on XXXX XXXX XXXX as I realized something was wrong from calling the imposter posing as the dealer`s sales representative for the delivery of the car I just sent a wire to buy. 
3. CATHAY bank ignored my recall, allowed time for the FRAUD dealer representative to withdraw the funds ( {$65000.00} ) .and close the ( ILLEGAL ) account. 
4. I requested an investigation to get information about the FRAUD account number ( XXXX ) to my bank ( XXXX ) and ( CATHAY ) bank, received no cooperation only ( ACCOUNT CLOSED )?!! I requested ; a- When was funds taken and, b- by whom ( TAX ID, c- Time account was closed CATHAY ban violated FEDERAL AND STATE laws. 
1. Allowing such FRAUD to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc.
State: CA

Complaint narrative:
The debt with ICS XXXX  was disputed a year ago. Was deleted from my credit report. Once again, a year later this is back on my report, as if it is new.

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 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a notice in the mail from American Coradius International LLC indicating that I am subject to debt collection from XXXX. I do not use XXXX and have not had an active account in many years. I called the debt collection company to dispute the debt, explaining I have had other forms of identity fraud ( many debit and money cards opened in my name ) despite a credit freeze. The email address associated with the XXXX account that was read to me is not mine and I have never used it. Representative XXXX XXXX from XXXX said the debt would be returned to XXXX to review for identity theft on XX/XX/2023. He would not provide a reference number or confirmation email for this, only his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new accoun with truist bank. I called their number to acivate my debit card and someone said they were transferring me to the fraud department. They then got into my truist account and said my account was hacked. they then proceeded to get into my computer and transfer money out of all of my different banking accounts. this was due to my calling truist for information. i now have to buy new computer mobil phone etc due to this and the bank will not help me nor give out info to the corporate office. dont know what to do. i need to report this and the fraud department at truist is where i called and it was a scam. i want the truist bank to reimburse me for all the new equipment i had to buy.

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 2023-06-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Paid balance in full and provided receipts, equfax said they verified the account is open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Self Financial Inc.
State: PA

Complaint narrative:
Self Financial/Lead Bank has submitted False Documentation stating the Account is Past Due XXXX, XXXX, and XXXX of XXXX  but they were paid and the account was closed in XXXX  XXXX.It is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to Help me to remove it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXXXXXX XXXX. 

On Wednesday XXXX XXXX XXXX in XXXXXXXX XXXX told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX XXXXXXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
--

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low XXXX. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX https : XXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my XXXX XXXX and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX https : XXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

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 2023-06-16 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: IL

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 XXXXXXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX Account name : XXXX 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 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 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a notice in the mail from XXXX XXXX XXXX XXXX indicating that I am subject to debt collection from PayPal. I do not use PayPal and have not had an active account in many years. I called the debt collection company to dispute the debt, explaining I have had other forms of identity fraud ( many debit and money cards opened in my name ) despite a credit freeze. The email address associated with the PayPal account that was read to me is not mine and I have never used it. Representative XXXX XXXX from XXXX said the debt would be returned to PayPal to review for identity theft on XX/XX/2023. He would not provide a reference number or confirmation email for this, only his name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC
State: MO

Complaint narrative:
I obtained a loan I qualified for through XXXX XXXX  originally through springlight financial the agreement was XXXX XXXX dollars with a orgination fee of XXXX XXXX dollars, to be repaid at 35.93 % interest over 48 months paying XXXX per month 45 days after the date of contract ( XX/XX/2022 ) All was well I made my payments on times then one day the company sent me a email saying that they had sold to a new company called XXXX XXXX XXXX I should note that the original company was actually called skopos financial LLC D/B/A springlight financial I had no clue of this until recently ) I paid no mind to the change and continued paying my monthly bill. I ended up hurting my back and being out of work for a while and I started to notice how my ammount due was not ever going down on my credit, so I investigated a little more and to my findings I believe I'm victim of some sort of securities fraud. None of the company 's have any current filings as they should you can't even find XXXX XXXX  or springlight financial on sec.gov XXXX search i take that back XXXX  XXXX does come up its clearly fraudulent the phone number it gives on there is " XXXX '' and it even says that the only filing available hadn't been reviewed yet by sec gov, for skopos financial LLC it says they are a asset backed securitizer & the abs asset class is auto loans, mind you my loan was a personal installment loan, it says the fiscal year end for skopos  is " XXXX '' clearly something is not right with any of this and something fraudulent is taking place. There is a case number on skopos financial I found where they were ordered to file timely and accurate annual reports that case number is with office of consumer credit commissioner state of Texas case # XXXX. Please investigate this promptly

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