vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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 XXXXXXXX Account Number : 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 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
See attachment for debt not owed, but TSI is taking to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XX/XX/year> Dear Experian : After checking my credit report today I had noticed 8 XXXX XXXX  accounts being reported as " OPEN ''. These accounts are closed, the creditor had reported them as " closed '' and it appears as if they where reported again as " Open. '' Further, the total balances on XXXX XXXX student loans are reported inaccurately. I am asking you to contact XXXX XXXX and correct my credit report. The 8 accounts are closed. 

thank You for your assistance.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following account was to be removed from my credit report XX/XX/XXXX, yet Experian and XXXX are still reporting this account a year later. XXXX has since removed the account XXXX XXXX XXXX XXXX XXXX Experian and XXXX are also in violation of reporting incorrect information. The date last active was XX/XX/XXXX, yet you are reporting XXXX which is a violation of the FCRA. Furthermore, an account is to be deleted after 7 years. This account has been closed since XXXX XXXX, and it has since been 8 years. Please remove this account from my credit report or I will have no choice but to take your company to court due to FCRA violations. I will attach my credit report for your reference. I am expecting this account to be removed within 14 days due to the 7-year period.

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 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXXXXXX, operating under the XXXX XXXXXXXX which involved me making deposits for a total amount of {$86000.00} from my JPMorgan Chase account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
My account was froze by Key bank, XXXX XXXXg i couldnt use my debit card so i went to the XXXX XXXX XXXX in XXXX and spoke to the manager there he did not know why it was restricted made some calls after which He asked for proof of sale for my farm because i had received a wire from advantage title company who received payment from the buyers chase bank account. I provided the documents, the lawyer who created the documents and notarized them contact information, the title company contact information even the extension of the employee who handled the transaction. This was XXXX XXXX  XX/XX/XXXX. XXXX  noone has provided me with any further information or time when they will or if they will release my accounts. 

I have done nothing wrong and the title company handled the wire transaction i need access to my money. Or at least a reason why this is happening and when it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
I'm so tired of this card company! I keep calling letting them know that multiple transactions are happening on my card and I need to dispute them cancel my card and get a new card I was just told on Friday that I'm not eligible to request a new card nor can I dispute things with them. 
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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I have a lease with Nissan. It ends XX/XX/XXXX. I have it automatically taken out every month and have for as long as I having been leasing. 
XXXX XXXX XXXX they stopped taking it out. 
When I called Nissan they said that I no longer had an account. I called several times nothing!!!! 
I finally called my Nissan dealer and she told me that my car had been grounded. Apparently someone paid this car off by mistake.I live in Massachusetts and this happened at XXXX of NY. Have not been there. We are now going into XXXX. How can this possibly go on for this long? My concern is going to be late fees and in XXXX my XXXX will be due. Can Nissan please fix this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
XXXX XXXX XXXX made a deposit at a huntington bank atm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX place debit card in atm to deposit $ XXXX.into checking acrct, atm took my money, but didnt show it on atm screen or give me a receipt. called bank to report atm gave address and all info i could, huntington bank place money in checking acct. next day. huntington took money back, had checking acct in overdraft. i go to a huntington branch ant talk to cust serv rep. overdraft remove. then to have huntington bank say they can find deposit and now checking acct has {$610.00}. overdraft fees. called huntington spoke with a rep to reopen and check security of atm dispute case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXX XXXX XXXX for a total of {$1300.00}. I signed up for their XXXX XXXX through Comenity Capital Bank, which had a promotional offer. The cashier charged the XXXX {$1000.00}, but forgot to include the discount from the promotional offer so he cancelled the transaction. He Then attempted to charge the XXXX again for {$1000.00}, but the card was declined due to being over the temporary limit as the previous charge had gone through, even though he cancelled the transaction. On the third attempt, the cashier had me pay with my debit card first. With the discount, the total came down to {$1300.00}. The cashier had me pay {$300.00} with the debit card. The remaining balance of {$990.00} was charged to the XXXX which was declined due to fraud because of how quickly they attempted to run three charges. I paid the reminder with that same debit card. When I received the first statement, I called Comenity to dispute the charge. They asked that I speak with XXXX XXXX to try to settle the matter. I spoke with them on XX/XX/XXXX and they provided receipts showing the 2 cancelled transactions and the 1 successful transaction. I e-mailed this via Comenity 's contact information online as I was unable to create an account during the dispute. I received a letter stating I needed to provide proof in XXXX, which I had already sent. I received a letter in XXXX saying that my complaint was closed. I received a statement in XXXX, where I was told I could send the proof via secure message online or send a letter with all my information to them. I sent a secure message on XX/XX/XXXX with proof. On XX/XX/XXXX, they stated they were looking into the matter. I hadn't received any information by XXXX, so I e-mailed them via secure message on XX/XX/XXXX. On XX/XX/XXXX, they responded that I should call them to speak with their customer care team. The customer care team was an automated payment service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting that it will be removed from my credit report 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
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has lied 5 times already by closing complaints

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an email stating that my monthly statement is available, but I never opened an account with them. This email has my name and the last XXXX numbers of the account. I thought it might be phishing, so I went to XXXX and looked them up. I thought there might be a possibility that I didn't remember opening an account, so I tried the forgot password feature. They want card info, which I don't have. I called customer service, but their entire system is automated. That system also wants card info, which I don't have. I need to know if there is an account in my name, but there is no way to contact an actual person. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft account opened was not authorized by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft account opened was not authorized by myself.

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 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.

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 2024-01-22 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Unauthorized hard inquiries! 
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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian just sent me this email again wanting bank statements and other information provided 3 times and I refuse to send this crooked fraudulent company anymore information

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