vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
This collection account was deleted in the past, and somehow came back on. It was already found to be inaccurate and false and here it is back on my credit again. 

I am a victim of identity theft, and I am attaching my FTC affidavit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX account number XXXX, XXXX  XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: MI

Complaint narrative:
I discovered that there are unauthorized inquiries in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.

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 2022-09-28 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Sync/XXXX  on XX/XX/XXXX on my credit report that I did not apply for. Ive been a victim of identity theft and have been contacting as many retailers and companies that someone has been applying for credit in my name. The Sync/XXXX is still on my credit report and says it will remain there until 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 non-monetary relief
Consumer complaint received 2022-09-28 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: NY

Complaint narrative:
I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
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 non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On Friday, XX/XX/2022, I directly purchased a {$100.00} Google Play gift card via XXXX for in game/ app purchases in a number of XXXX XXXX I immediately redeemed the code upon e-mail delivery. XXXX sells gift cards through XXXX  Gift cards. Upon e-mail delivery, XXXX provides a link to XXXX XXXX to actually generate the gift card code. 

On Saturday, XX/XX/2022, I tried to make purchases in the game XXXX XXXX XXXX, only to receive an error message that I needed to fill out a form that requested that I provide details for a physical gift card in order to continue with the purchase. I provided as many details as I could since I had used a digital gift card that did not have a front and back of a physical card. 

The first Google customer service representative was very combative over the live chat and told me to review to terms of cooperation for violations. I was confused both since terms of cooperation are between companies and that the link that I was provided was for the Terms of Service. To my knowledge, upon review of the ToS, I am in full compliance of the Tos. If anything, Google may be in violation of the ToS for failing to provide access to funds that I purchased and added to my Google Pay Balance. 

Over the past almost three weeks, I have sent e-mails, used live chat, and called almost every day for updates and a fix/ actual resolution to this problem. I have repeatedly been told that the issue has been resolved and to wait 48 hours. Wait 48 hours for what!? If the problem is fixed, then I should be able to use my loaded {$100.00} balance immediately. 

Doing a websearch has indicated that other users are experiencing similar gift card woes. 

At first, and most of the time, customer service reps told me that there was a random security check on my account that was resolved. Then I was told that there was an issue with verifying and redeeming, and unlocking my already loaded balance. Now I have just been told that, tough luck, the case is closed, " sorry for all the inconvenience. '' I don't want a fake apology. I want my money. If you can't transfer my balance into store credit or more Play points, then issue a full refund. Of course, there is a no refund policy. But I can't use my {$100.00} gift card balance because it is locked by the same error message asking me to fill out a form for physical gift cards. I can still use workarounds like my debit card and accumulated Play points for purchases. 

I have been repeatedly told that I am a valued Platinum Points user, only to repeatedly hear that I need to wait 48 hours for a fix that still hasn't come. 

Google reps have also been trying to quietly close my XXXX XXXX XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I summited a dispute because my indenity was stolen some used my information to apply for credit in my name I summited my identity theft report with my disputes and they still refuse to remove the unauthorized inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX & XXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] without Prejudice, All Natural Inalienable Rights Reserved

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 2022-09-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is currently reporting my wrong monthly payment amounts and its effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is currently reporting my wrong monthly payment amounts and its effecting my credit.

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 2022-09-28 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: NY

Complaint narrative:
XXXX is currently reporting my wrong monthly payment amounts and its effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: NY

Complaint narrative:
XXXX is currently reporting my wrong monthly payment amounts and its effecting my credit.

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 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I discovered that there are unauthorized inquiries in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.

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 2022-09-28 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: TX

Complaint narrative:
I have sent my police report showing where my identity was stolen along with letters. Still no update or response. They are not complying with the law. The continue to report this that does not belong to me as I have been stating for years and provided proof.

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 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not request the following hard inquiries on my credit report and this is hurting my file, I've placed a freeze on my files XXXX XX/XX/XXXX2XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XXXX Account ACCOUNT # XXXX USAA FEDERAL SAVINGS B THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON PURPOSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OAKTREE FUNDING CORPORATION
State: NJ

Complaint narrative:
I applied for a refinance loan on one of my investment properties through Oaktree Funding Corp ( XXXX  XXXX ). I was approved and received the funds, however shortly after the closing Oaktree sold my mortgage to two other another lenders. Now I have two mortgages from two separate lenders ( XXXX XXXX XXXX XXXX and XXXX dba XXXX XXXX on the same house on my credit report and both are sending bills for the mortgage payment. I didn't get two refinance fund payments I shouldn't be charged for two mortgages. 

I have contacted all three lenders and no one has corrected the problem. Each saying I have to contact the other to resolve the issue. I didn't cause the issue. I believe Oaktree made a mistake in how they processed or transferred the note to the other mortgage companies. 

Oaktree 's error has caused my credit score to decline. I'm trying to purchase a new primary residence and I'm being charged a higher interest rate and have to submit a large amount of money because my debt-to-income ratio is higher because of this error

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I switched from Regions bank in 2021 because their overdraft fees was rediculous and overdrafts was shady like one month it would only let me overdraft by atm, the next it would only approve in store transactions, sometimes it would only approve certain transactions such as phone bill water bill. It made no sense.They charged me {$1200.00} overdraft so I switched banks and have had no problems since.

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 2022-09-28 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : AMERICAN EXPRESS Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am in the process off starting the process of purchasing a home. This morning I had a credit score decrease of XXXX points. I had no new negative information added to my report. Ironically I had two positive incidents reports. The first one was an account balance decrease of {$850.00} lowiering my useage to 18 % from 98 %. The second was a on time payment also lowering utilization. I am baffled how this happen with positive payment leads to negative point loss. I contacted TransUnion 3 times and was told that they dont provide information and instructed me to this agency. How can a reporting agency not provide me with my own information that they formulate? I believe this violates my rights under the fair credit report act. This negligence will hinder my opportunity to qualify for my home loan.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Account ACCOUNT # XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON 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 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
I received a letter from the collection agency thats how I found out I owed this money but Im afraid I was victim of identity theft because I have not purchase anything at XXXX with my credit card in years I dont even have the credit card with me I paid what I owed at the moment and then never used it again. I called XXXX and they told me I didnt have a balance with them so I called the collection agency and told them that and they kept sending me 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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In complaint XXXX, I mentioned that Bank of America closed out my account after I deposited a check ( issued by another Bank of America branch ) and reported me to the XXXX XXXX. The check is completely valid and it should be trivial for BoA to verify -- it's issued by them. In the letter describing that they closed my account they claimed that they will mail me a check of the amount my account balance, which I have never received. This was almost a year ago. Since then I have been trying to get my money back using their online banking, phone banking, and finally in XXXX, their branches. In XXXX I went to a BoA branch 3 times to get my money back to no avail. 

Not being able to get my money back for almost a year, I finally filed a complaint with FDIC, which forwarded the complaint to CFPB. Today I got a call from a Bank of America representative asking if it was me who filed the complaint with CFPB in a threatening tone. Please help me with this issue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief