vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Esusu, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I received an email from XXXX stating that I was signed up for their credit reporting service as a result of renting my apartment from XXXX XXXX in XXXX TX. I had never agreed or expressed any interest in this service and it was the first time I had even heard of it. The email had a link where I could cancel this service, however, it returned a 404 error indicating there was no such website, although XXXX appears to be a real company involved in credit reporting. I am not interested in this service and want them to cancel whatever account I might have with them and delete any records and information associated with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
have been receiving threating calls from company who claims to be XXXX XXXX XXXX XXXX Attorney I looked it up and address and phone number dont match. They claim I had an outstanding payday loan probably dated back to XXXX? I told them to send me the paywork and they said they wouldnt. Also got many calls saying they had an agent trying to locate me. They wanted to settle for half of what was owed? ( about {$1600.00} ) They wanted me to pay with a debit or gift card? Also on the messages they threaton to have me served in my county of XX/XX/XXXX. They also called my step brother and left a message that they were trying to get ahold of me and I was being charged with FRAUD. I am on disability and this company continues to call on unknown numbers etc. I also told them that I had copies of checks I wrote and they did not want to accept copies. My case # XXXX Phone # XXXX spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
Prosper Bank stated they're aware of me filing XXXX XXXX. However, the bank is now charging additional fees while in active bankruptcy violating my federal laws creditor protection of automatic stay. namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation.Prosper is now adding additional fees while in active bankruptcy which is in violation of my federal rights. Prosper can not collect on a debt or charge any additional fees. This place of business needs proper training. I demand that Prosper removes any fee before or after bankruptcy immediately or I will file an injunction with the court. They're consistently violating my rights.

" Section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. '' Here 's prosper response ; XXXX XXXX, Prosper apologizes for any confusion this may have caused. On XX/XX/2023, Prosper waived the {$40.00} late fee and accrued interest in the amount of {$36.00} that incurred after the date of the bankruptcy filing. Prosper appreciates the opportunity to respond and hopes this clarifies and resolves the issue. 
MONETARY RELIEF AMOUNT {$76.00} How can I accumulate late fees while in bankruptcy? Or any additional fees. 

Remove all charges immediately.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have tried to work with Discover for months but unfortunately the information that I provided is all I have. They requested information about my IRS and want to play games with my account because I choose to Bank with an online bank. XXXX XXXX is the Card I use XXXX XXXX XXXX  building credit. Your account protection service needs to bring the account to the Office of The Presidents for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: GA

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hello My Names, is XXXX XXXX XXXX And I'm writing to you about this company that is report to the credit bureau. I have complained about this before. To the credit bureau they keep saying very thing is correct and I know that's not true. i need ( CFPB ) to help me with this matter. I decided to call the company. XXXX ( AKA ) XXXX. And ask them to mail me the contract that i sign and they did. I read contract and that is not my names. on the contract. similar to name but not the same spelling. And i sign a contract it would have the right spelling. and my signature would be right and not wrong like it shows.. I ATTACHED DOCUMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring 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 fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: OH

Complaint narrative:
On XX/XX/2023 I sent certified mail to The reportion credit unions about illegal activity being written on my report. With no response. 


Under 15 USC 1681b - permissible purpose of consumer report, TI LAW CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to subsection 1681s-3 of this title any- ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on 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 2023-07-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy credit card by Citi bank. I was very clear. I asked for a confirmation of debt. The only legal form of confirmation of debt is wet signatures. I do not want a bill, statement volcher. XXXX XXXX XXXX will get a lien on her surety bond. My name is not XXXX XXXX spelled like this. This means dead person. I am not the XXXX. I am thinking about arbitration to see your books. Banks can not loan money per money modern mechanics. XXXX. Banks take people signature promise to pay and exchange them for credits. I have a affidavit of all debts are prepaid. I also have XXXX XXXX from XXXX XXXX XXXX having a certified ferrensuk auditir under oath saying all bank loans are fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been a victim of fraud from Bank of America, someone opened an account with my name and social security number and has stolen my identity cause the Bank allowed this to happen. I was also charged high cost also which make me a victim of bad credit, I have to freeze my credit so the thief 's want us my name anymore which I can use either. I called the Bank of America, and they just told me that some kind of investigation was going to happen, but I have not heard anything from them as of now. I'm deeply disappointed. I should be confiscated for my problems and looking for someone to help me with the matter. my email address is XXXX. Please help me with this matter.

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 2023-07-18 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX MOT Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, CPS Date of Inquiry XX/XX/2022XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Have a Chase Freedom credit card, been a longstanding good customer, make payments on time. 45 days ago my Limit was approx $ XXXX w/ $ XXXX outstanding, Chase cut the Limit to the outstanding balance of $ XXXX without any prior notice. I pay the outstanding balance in Full on XX/XX/23 ( {$7800.00} ) and have a XXXX balance with Available limit of $ XXXX. Then Chase cut the Limit in the past few days to $ XXXX without any prior Notice, only discovered when I tried to use card and was declined. I called Chase and they stated it's based on outstanding balance and their periodic review; however, this is false because my balance is XXXX, make all payments on time and have Low Credit Card Utilization Rate but is negatively impacted by Chase cutting by Credit Limit from $ XXXX to $ XXXX. This is abuse of power to customers to who pay there bills on time and then pay off the outstanding balance in full. 

Also called Chase XX/XX/23 to request my balance be reinstated ; they stated it would have to be a Hard pull ; this is hypocritical, Chase can reduce your credit limit based on a soft pull but can't reinstate it based on the same soft pull which was satisfactory to reduce the line. I spoke with XXXX - Business Lending Escalation, he stated there is tracking or ID number for the complaint I filed w/ Chase and no way to track it or receive and follow up or resolution. Chase is stating we cut your Limit and there's nothing you can do about it directly after I paid by balance in full to XXXX with account in good standing. It's abuse of power and completely taking advantage of the consumer who has done everything correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!

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 2023-07-18 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: CA

Complaint narrative:
I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} and XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those XXXX accounts are fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal had a breach in 2022 its public information they are being sued, they still owe me alot of money, I have done most of the work they don't respond to emails very poor communication skills and incompetent customer service representatives it has been awful it added so much stress to me while I was in and out of hospital my identity was stolen due to their breach all my credit cards as well as my husband 's were maxed and the thief also got my bank they did issue some refunds but kept claiming it was my banks responsibility and my bank was saying it was PayPals and I was stuck in the middle so much stress and XXXX phone calls later I'm still out the money which I can not afford and I should be paid for my time my bank was tired of it closed my account in the middle of investigation so I can't get any help from them now so PayPal should be held responsible I just want my money please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY XXXX REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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:
This XXXX account is reporting without maximum possible accuracy and the proper verification under the FCRA this is my second attempt to remove the following account XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation