vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-08-08 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: IL

Complaint narrative:
I notified Trans Union and XXXX and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS 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 2023-08-08 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: IL

Complaint narrative:
I notified XXXX XXXX and Equifax and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am familiar with The Card Act of 2009, in particular, Paragraph 164. " Prompt and fair crediting of payments, Section ( b ) APPLICATION OF PAYMENTS, '' which states that any amounts above the minimum payment must first be applied to the card balance bearing the highest rate of interest. American Express is attempting to circumvent this law by using the expression " Plan Fee '' rather than Interest Charges or Finance Charges so they can apply payment amounts above the minimum due towards balances with lower fees rather than the highest fee. Representatives at AMEX stated that " it's not interest, it's a plan fee, so the Card Act does not apply. '' Their disclosure, however, refers to a " Plan Fee '' as a " Fixed Finance Charge '' as found on page 1 of 4 of " Cardmember Agreement, Part 1 of 2, '' and the " Plan Fee '' calculation method ties it to the APR for the account. Presently I have six balances that have " Planned '' repayment schedules which carry a zero interest rate, and two plans that carry interest rates of more that 25 %. Today I tried to pay off one of these high interest rate plans early, and I was told my payment would first be applied to the plan balance with the lowest plan fee ( interest rate ) first. This is in direct violation of spirit and language of the Card Act of 2009. I have a credit card with American Express that has a set credit limit and it is revolving. There are balances which I am not paying and full, and as such I must pay extra money to AMEX above and beyond the principal amount that I charged on my card. That amount of money is based upon the APR set on my account. Whether AMEX chooses to call it " interest charges, '' " finance charges, " plan fees, '' or simply " widgets '' -- the NAME should be set aside and the character of and reason I am paying more money every month above the principal balance should be considered to conclude that the relationship is subject to the Card Act of 2009, binding the card issuer to apply payments according to the law : balances with higher interest rates first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im writing this complaint because my XXXX XXXX  account is not reporting my account to TransUnion. I have contacted both TransUnion and XXXX XXXX  XXXX  to have this issues corrected and I havent had any luck. This is not fair or accurate credit reporting. This issues has caused my credit score to drop over XXXX points from not reporting this account in good standing. I have called both parties and neither of them have tried to correct this issue. My XXXX account should be reporting and appearing on all 3 credit bureaus.

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 2023-08-08 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-08-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
ON XX/XX/XXXX, I received an alert advising me I had a new credit inquire on XX/XX/XXXX from Citibank na, source XXXX. XXXX XX/XX/XXXX I called XXXX XXXX reported agency and explained that I had no knowledge and I did not apply for anything and was told by the rep that they nothing XXXX can do, that I had to contact the source, I called the number associated with the inquire listed on XXXX report XX/XX/XXXX and was transfer giving different numbers to called, I finally spoke to someone on the same day and was giving a little information after the rep put me on hold and spoke to new application, I was told that they were no new accounts and no new applications from me with my social security number, so there is no record of this inquiry on XX/XX/XXXX but it was reported to XXXX XXXX XXXX on XX/XX/XXXX. after speaking with muplie people the issues is not resolve and I am still left not know where and who and how it was reported.

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 2023-08-08 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.

Complaint narrative:
i want to remove this accout name XXXX, Account no XXXX account open XXXX date of last updated 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have more than 66 companies are messing with my credit score. I have two or three companies that I need to fix but other companies I don't owe anything and they are leaving their name in my system and this is disturbing my score to go up, so that's why I'm sending this letter, to enter into dispute to fix my credit, because, I am not able to finance anything else for this.

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 2023-08-08 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: NE

Complaint narrative:
I want to file this formal complaint to EXPERIAN. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-08 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: CrediFlash LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from Capital One Bank. I did not approve this nor have I ever applied for a card through Capital One. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, XXXX, and XXXX. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cress Law Group PC
State: IN

Complaint narrative:
More evidence of unfair collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attorney debt collectors, simply by virtue of their profession, are especially susceptible to claims under the FDCPAs general prohibitions against using false, misleading, and unconscionable means to collect a debt. There have been a number of recent complaints in and around the 7th Circuit against attorney debt collectors, which allege violations of 1692e and 1692f by sending form debt collection letters that falsely imply the attorney has meaningfully reviewed the case. See e.g., Knack-Toms v. Meyer Njus Tanick , PA 345 F. Supp. 3d 1033 ( N.D.I.L Nov. 2018 ), see also, Bucholz v. Meyer Njus Tanick, PA, 2018 WL 4625740 ( W.D. Mich. Sept. 2018 ). These plaintiffs cite Avila v. Rubin for the proposition that a delinquency letter from an attorney conveys authority and implies that the attorney supervised or actually controlled the procedures by which the letter was sent. 84 F.3d 222, 228-29 ( 7th Cir. 1996 ). Instead of challenging the substance of the attorney debt collector letter, the plainiffs attorney generally allege that because ( 1 ) the letter was sent by an attorney debt collector on attorney letterhead that the attorney must have meaningfully reviewed/analyzed the debt and ( 2 ) because the collection letter is a mass-produced template letter which has an indiscernible signature that no meaningful attorney review has occurred which makes the letter a false, misleading, and/or unconscionable attempt to collect the debt in violation of 1692e and 1692f of the FDCPA. '' This is exactly what XXXX XXXX does and has been doing for 17 years. A misleading letter from an attorney with no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX XXXX XXXX I initiated a dispute with Transunion on my installment account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dealership in Pennsylvania. I initiated the dispute because of the " balance/amount owed '' information was wrong on my report. This was a current installment car loan. Due to the creditors not responding to the dispute within 30 days the account was removed from my report which caused my score to drop almost 90 points at the time and lose credit history and payments. I reached out to the creditor XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX dealership. Throughout my conversations with them over the past 2 years, they have refused to report my account standing to Transunion. The creditors have told me everything from that I must report the account to the credit agency, that they have already reported the account, they can't report the account, I must send a formal letter for them to report the account amongst others. I made over 10 on time installment payments after the dispute including very large payments to pay the loan off early. The 30+ on time payments over 2.5 years on a XXXX XXXX loan that was paid off early was never return to my credit report and is still not on there over 18 months after the loan was paid off. This has caused negative effects on my credit score, credit report, credit history, and my potential on getting loans and better interest rates.

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 2023-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
My company sends {$150.00} per month to my student loan servicer through XXXXXXXX XXXX has sent payments in XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Only XX/XX/2023 and XX/XX/2023 have been applied to my account. I called EdFinancial in XX/XX/2023 because payments had not shown up at that time. They asked me to wait another 30 days. After 30 days, XXXX and XXXX payments were applied. I called EdFinancial in XXXX and was told to wait another 30 days. I called EdFinancial today XXXX, and was told that XXXX was not sending payments. I have email confirmation that payments were sent in XXXX, XXXX, XXXX, XXXX and XXXX. EdFinancial is receiving these payments and not applying them to my account. Each time I speak with an EdFinancial service representative, they ask me to call at a later date. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I filed a complaint with Nordstrom credit card concerning a late payment that was placed on my account. The company did not PROPERLY address the ORIGINAL issue and complaints and responded that they made me aware that late credit reporting can't be altered ... ..after the fact and actual events that occurred other than what I was told and reassured upon. The complaint is that it shouldn't have never been reported late as I was told my account will not incur a late payment report due to my XXXX XXXX but I was. So that's an error on the Card company not the actual consumer, therefore changes can be made. It's not fair, good customer service or ethical to assure as a company that something won't happen especially when it comes to a pandemic such as COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: NY

Complaint narrative:
I was issued a hardship loan through my work for medical expenses and it was deposited into my Dave banking account last night. Nearly XXXX dollars was then taken from my account by a fraudulent cashapp account that I have never seen before. Over 100 separate transactions were made in a matter of minutes all in different amounts XXXX, XXXX, XXXX, etc. I am so upset that this happened and now Im going through a lot more stress because of this, all the charges are pending and Dave personnel are telling me they cant cancel the pending charges until they are processed which in my opinion is insane. I did not authorize those charges and Im extremely angry with them and the situation. I am burried in dept and cant afford to have this money taken away because of some scammers. Please help immediately!! Thank you - XXXX XXXX

Company response to consumer: Closed with explanation