vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.

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 2024-01-01 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: LCI Acquisition Inc.
State: MO

Complaint narrative:
XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights violated numerous time. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States have the right to privacy. According to 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My husband and I purchased a used vehicle. We were financed by a company called Credit Acceptance. We were in an accident and the car was a total loss. We had XXXX XXXX and that paid off a huge majority of the loan. After the XXXX XXXX was paid, there was still a balance of $ XXXX. We were unable to make the ramaining payments on the $ XXXX, and the loan went delinquent 90 days. I was called and offered a settlement with the company. The gentleman that I spoke to stated that I had until XX/XX/XXXX to take them up on their offer or the offer would expire. They offered me a payment of $ XXXX, and that would eliminate the entire debt of $ XXXX. I agreed and stated that I would be calling back to make that payment later on in the following month. I called Credit Acceptance back on XX/XX/2023 and paid the amount that was asked in order to settle to loan. It has been over a month and the negative payment history has not been updated and it is still showing as owed on my credit report. I have disputed this twice with the credit bureaus and both times it has remained on my report because Credit Acceptance is claiming that I never paid it off and that there was no settlement. They are claiming that the amount showing as owed on my credit report is accurate. I have called them two times since XX/XX/2023 in order to question them on the fact that it was still on my report. Both times I was assured that it would come off, that it may take up to 30 days but I should rest assured that it has been reported to the credit bureaus and I have nothing to worry about. To this day, it remains and I have lost over XXXX points on my credit score because of it.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.

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 2024-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: SC

Complaint narrative:
This company had bought a debt from a different creditor. Which is a result of identity theft. I havent given written permission or consent to contract with this company NPAS with this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: AR

Complaint narrative:
Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am XXXX and XXXX  XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX XXXX, XXXX XXXX earlier than I should have. I have XXXX, an XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and am XXXX  XXXX. The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am XXXX and XXXX XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX XXXX, XXXX XXXX earlier than I should have. I have XXXX, an XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, and am XXXX  XXXX. The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Hilton Honors account was compromised in XXXX XXXX due to fraudulent activity. I called Hilton Honors customer service to report the missing XXXX points and the blocked access to my online account. Customer service stated that my account was hacked. They took a few months to investigate the situation and restored my points in XXXX XXXX but my online access had not been restored. I called Hilton Honors customer service numerous times asking for assistance with requesting a new online password, but it was discovered that I was not getting any emails from Hilton Honors. Customer service stated that my email address was blocked when my account was compromised and that I needed to email the fraud department for assistance. I emailed the Hilton Honors fraud department twice in XX/XX/XXXX and as of today, I still dont access my online account. 

Hilton Honors unwillingness to resolve my online access leaves my account vulnerable as my points could be stolen again and confirmations could be redirected to someone elses email address. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The account XXXX on my experian credit file is reporting inaccurately compared to others. This should be looked at immediately. Ive uploaded documents supporting my claim multiple times and nothing has been done.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I noticed things on my credit that I did not authorize, I submitted a dispute and was told I would hear something back within 30 days. I have not heard anything since and this matter is very important and. I am in the XXXX and currently stationed in XXXX, XXXX. I have not ran my credit myself nor authorized anyone else to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Every Time I would try to make a Payment. The Payment would never Go Through, All that Happens is once the Account dips a XXXX Below the Amount the Payment the gets Declined and I get hit with a Fee for Insufficient Funds when the Money was there the whole time. And the Money was supposed to be taken in the XXXX. Funny how by XXXX XXXX that day, After another bill gets paid dropping the amount in my account a couple cents below the amount needs for One Main Financial and then they say Oh No theres no money in the account and I get hit with a fee. Every time this happens and I tell them and no body in the branch wants to acknowledge there system is corrupt or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of fraud and identity theft people use my information on the dark web. They use my information everywhere. My social ID has been lost and stolen multiple times my family has used my identity friends have using it stolen and my information is out there Im making this report so I can show the credit bureau Im doing my part on my end Im also in the XXXX XXXX and I cant qualify for no bank account

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 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have been in touch with US Bank for several months regarding refund disputes with companies such as XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. These companies have failed to send me the refunds owed to me. 
Initially, the charges were credited to my account, but they were later reversed. As a result, I stopped making deposits, which led to my US Bank account becoming overdrawn and pending closure. I sincerely believe that US Bank didnt properly investigate my refund claims. It is crucial for US Bank to address and rectify the issues with my account before it is closed, as this could potentially cause future problems for me with organizations like XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I was given a {$40.00} prepaid Vanilla Gift Visa card I have tried using the gift card in store and online and it is declined every time. 

I have never once been able to check balance online or activate card to perhaps register the card. A system occurred error always appears. 

I call the XXXX # on card and it does not provide balance- only option to hear main menu or speak to someone. 

I called XX/XX/XXXX and spoke to XXXX and he said he needed my name, address, phone number and email address. I provided everything until he said I would need to mail in a copy of my drivers license and some sort of bill. 

This feels so scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a formal complaint against Equifax XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft Red Flags Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, Equifax has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to Equifax, including FTC reports, a police report, a state of XXXX XXXX XXXX, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, Equifax has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire Equifax credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

Equifax 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and Equifax 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, Equifax 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule XXXX XXXX XXXX XXXXXXXX ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, Equifax is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded Equifax 's deviation from the documented dispute process outlined in my submission, Equifax has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure Equifax complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by Equifax, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

Assurance that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner may necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft Red Flags Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, XXXX has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to XXXX, including XXXX  reports, a police report, a state of XXXX XXXX XXXX, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, XXXX has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire XXXX credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

XXXX 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and XXXX 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, XXXX 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule ( 12 C.F.R. 1022.20 ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, XXXX is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded XXXX 's deviation from the documented dispute process outlined in my submission, XXXX has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure XXXX complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by XXXX, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

XXXX that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner XXXX necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, 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 2024-01-01 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: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft XXXX XXXX  Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, XXXX has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to XXXX, including FTC reports, a police report, a state of Ohio Identification card, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, XXXX has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire XXXX credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

XXXX 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and XXXX 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, XXXX 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule ( 12 C.F.R. 1022.20 ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, XXXX is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded XXXX 's deviation from the documented dispute process outlined in my submission, XXXX has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure XXXX complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by XXXX, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

XXXX that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner XXXX necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX

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