vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX, Equifax, XXXX in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act XXXX, Equifax, and XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  all dating from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
I did not consent to authorize nor Benefit from the following account ( s ). Block and Remove

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 2022-07-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried to get into my XXXX several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least XXXX different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio XXXX last year. 
I hope you understand why I am XXXX out! 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
FEB-RETAIL Last reported XX/XX/XXXX {$0.00} Open balance {$4000.00} Credit limit Balance carried not confirmed Credit limit {$4000.00} You're using 0 % of your account 's limit Checking for errors? Review your full report details. If you find any issues, we can help. 




Hey XXXX It looks like an account with FEB - RETAIL was added to your XXXX report. 

This could definitely impact your credit score ( like by lowering your average age of open accounts or increasing your total number of accounts ). 

Don't recognize this card? You can file a dispute with the credit bureaus. 


See the card *Based on your credit report information from XXXX as reported on XX/XX/XXXX. 


This is a promotional email. 
To manage your email preferences, please go to notification preferences. 

Hello, I received this email last friday XX/XX/XXXX from XXXX XXXX  that there is a new account on my credit report and I have not applied for any credit card. Please I need help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022, I mailed XXXX, Equifax, and XXXX to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022, I mailed XXXX, XXXX, and Experian to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.

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 2022-07-20 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: Chime Financial Inc
State: TX

Complaint narrative:
I have been having a very hard and frustrating time trying to get my money back from Chime Bank after someone hacked and cleared my account on XX/XX/2022 with XXXX sperate transactions one for {$380.00} and other one for {$1300.00}. I have made several claims to chime to try to get this resolved and they have done nothing but denied my claims time and time again. I do not know what else to do with them they are a horrible company Bank to deal with. They have had me email several departments i call and they dont help they tell me to email the chime support team and they send me the same message saying We do not find that an error has occurred. We consider this matter closed. I have sent them photos and evidence to back this up and still get denied. I have made it clear from the moment it was charged that i did not authorize the transactions. I was hacked they were able to get into my account change the email and phone number to the account so i was unable to get back in it took me 6 days to be able to have acces to my account again since chime can only help by emails when I call they tell me to email. This has been a very big inconvenience Inhave kids and bills that i havnt paid to this day almost XXXX weeks later because of this. I hope yall can help me XXXX thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Dolliemac, LLC dba Elite Document Management Solutions
State: TX

Complaint narrative:
I signed up with XXXX document managing solutions and had about {$2000.00}. Drafted from bank account with XXXX XXXX. They had my routing and bank account info. They stopped drafting when my bank account was compromised and I opened a new account. I have also changed my phone number to current ( XXXX XXXX ). Now that I have the time to address this issue, because since then I am being sued by three credit card companies and they havent done anything that is helping me. I am trying to get my money reimbursed cause all they really did was ruin my my credit, I cant seem to log in after numerous attempts and password resets. I have called the phone number XXXX XXXX XXXX numerous times and all get is a voicemail telling me to leave a message. I just want to close this sham and get my money back without the XXXX  or drama. My log in ID was XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: AZ

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I paid a instant deposit fee to XXXX XXXX to send money immediately to my Ally bank account. Only to find out that my deposit is being held and not released by Ally. I am paying for an instant deposit fee only to not have my deposit instant .I spoke to two reps about this issue only to be advised that i would receive my deposit the next day by XXXX. So I paid a fee for no reason.

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 2022-07-20 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:
I previously lived at My current Address is XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses I would like removed from my credit reports : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
Our local XXXX chain of grocery stores regularly offers Visa and XXXX gift card promotional offers. During these promotions, I regularly buy large quantities of these gift cards to accrue rewards, and spend the gift cards for routine business activity. All of these gift cards are issued and serviced by U.S. Bank. 

Anywhere from XXXX XXXX XXXX XXXX of all of the gift cards I purchase are compromised and locked immediately on purchase. The only avenue US Bank offers to unlock, and replace the cards ( by sending me a new one in the mail ), is to call an overseas support line. This support line is regularly so backed up that the call disconnects and the automated system advises me to call back at a later time. The times that the call does go through, I'm on hold for half an hour, and spend another XXXX minutes resolving the compromised card. 

The issue at hand, is that the policy of the customer service representatives is they will only replace one single gift card per phone call. Due to the amount of cards I purchase ( and the sheer quantity of compromised cards I am sold ), and the impossibility of ever getting through, the policy US Bank has in place actually makes it impossible for me to ever get these cards replaced. There is simply not enough hours in the day, even if I did not work nor sleep, to replace these cards one by one over the course of a XXXX minute phone call. US Bank has provided no other avenue or recourse for me to have these cards replaced and by doing so is holding my money hostage. They have made it impossible for me to replace the cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without 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 2022-07-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from MyFICO account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from MyFICO and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity bank has had their system down for over a month. I have not been able to access my XXXX credit card accounts with them and am unable to view my transactions, check my balance, or make payments. I also have no ability to see if I am being charged late fees due to being unable to make payments on time. I missed due dates on XXXX of my accounts due to their system being down in early XXXX. I have not been able to confirm if those payments have been made or if they have incurred late fees because I can not access my account online. I have not been able to reach Comenity by phone due to their heavy call volume.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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