vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: GA

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: GA

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.

has violated my rights. Or list of inquiries 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 2023-07-21 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: CA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by Experian. On XX/XX/XXXX, I contacted Experian to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) has inaccurate evidence. The Balance of {$250.00} reported by Experian does not correspond to the lower amount that I remember. The Past Due amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Therefore, I request that Experian marks this account as disputed to prevent further damage to my credit score. 


The account XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) is inaccurately reported. The Balance amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, Experian 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request Experian to mark this account as disputed until a resolution is reached. 


I found inaccurate information in my credit report for the account identified as XXXX XXXX XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ). I have doubts about having such a high Balance on this account, as I recall having a lower Balance than {$2100.00}. The reporting of Past Due for this account is incorrect as the account is closed and charged-off. I request that Experian marks this account as disputed while I resolve my dispute with the creditor, so that this account does not negatively impact my credit standing. Additionally, I require that Experian verifies the Date Opened, Date of Status, and First Reported for this 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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-21 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: MI

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.

has violated my rights. Or list of inquiries 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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I made a 0 % balance transfer from XXXX Bank of America credit card of {$16000.00}. I paid a balance transfer fee of {$480.00}. I also use this credit card for daily purchases. On XX/XX/XXXX, there was a {$1.00} interest charge. On XX/XX/XXXX, I first noticed an interest charge of {$.00}. I called BOA and inquired about these interest charges. The customer service representative stated that if I do not pay my full balance of the balance transfer and the purchased charges, then i will be charged interest. This was never explained nor was could I find it clearly spelled out anywhere as part of the balance transfer. Had I known this, I would never had done the balance transfer. I paid off the balance transfer in XXXX of this year. After firmly communicating with the XXXX, he agreed to credit me both of the interest charges. What I explained to him, was that, it made no sense in any case. If I would have had the {$16000.00}, I would not have done a balance transfer. He told me not to use my card once I do a balance transfer. I ended our conversation gracefully. 

I pay all of my current purchases once the charges are cleared to avoid interest charges. 

I was not charged interest for the first 2 months of the balance transfer, so these charges make no sense. 

My concern is not for me in particular, but for those people, that don't have a XXXX and XXXX, like myself. I would venture to say that many people have this issue and don't know it and do not understand 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 monetary relief
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX did not send me a bill for the charged amount if {$170.00} in XX/XX/2023. Therefore in XX/XX/2023 the amount became delinquent and went on my credit report causing my score to drop approximately XXXX points. The minute I found this out I immediately paid the account off.

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 2023-07-21 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: NY

Complaint narrative:
Student loans are considered " education records '' under FERPA. This means that they are protected by the privacy provisions of FERPA.

FERPA generally prohibits the release of education records without the student 's written consent. 

The federal government guarantees most student loans. This means that the government will repay the loans if the student defaults. Therefore, there is no need for private credit reporting agencies to have this information on their credit reports. 

Reporting student loans on credit reports can have a negative impact on students ' credit scores. This can make it more difficult for students to qualify for loans and other forms of credit.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: NJ

Complaint narrative:
back in XXXX there have been charges from XXXX XXXX numerous times filled out their form sent to them by mail 2 days certified and until i believe XXXX the card usually was in my possession but at times was careless leaving in my pants purse i forgot washing machine pockets and never knew who charged XXXX dollars in charges between both of them usually they ask for id but in these cases they did not and also spoke with card .com not responding looked online card closed asked for new one police department said you need solid proof as a picture you just can not accuse i would like my new card and the money returned i have a car for years first a XXXX now XXXX and they ride nice also explained to them as well i could send my registration but that is personal and also my license my phone number is XXXX XXXX XXXX and XXXX is my personal email thank you i need the money back that i did not charge and will be out of till XX/XX/XXXX thank you i no longer use XXXX XXXX XXXX it is now XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They refuse to return my money fraudulently taken by a merchant XXXX XXXX. They suggest I work it out with the merchant. This is utter XXXX as they are supposed to protect me from fraud. It's literally one of two reasons that I allow them to charge 31.49 % interest APR.

I have always stated " fraud '' as a reason to refund my money but they ignored that reason entirely and focused on irrelevant factors instead. They are denying my claim because the merchant has hidden all of my correspondence. They prefered to have a self-contained messaging system which they locked down and effectively prevented me from accessing my disputes. That is also fraudulent. In addition, Capital One is demanding an invoice/receipt, but XXXX XXXX Never provided me with one. How is that MY fault?!? Once again, I NEVER authorized XXXX XXXX to charge me the {$29.00}!!! 

Capital One has wasted hours of my time and treated me like complete trash. They are literally disgusting!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed a Fraudulent account from XXXX XXXX XXXX Throughout my XXXX and Tranunion reports

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 2023-07-21 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: FL

Complaint narrative:
I have disputed these XXXX XXXX XXXX accounts on multiple occasions and they keep coming back as update and or verified ignoring what is actually being disputed, Ive requested these reporting agencies to show proof of how they were verified on multiple occasions and I have never received anything just ignored, which is grounds for suit! I have been disputing multiple violations and I want these immediately deleted off of my credit report! 

1 ) reporting CO every month and re- aging these accounts are unlawful and are a Violation!

2 ) 1099Cs, which is income do not report to the consumer report, those accounts are 1099Cs and according to the IRS CO are considered ordinary income which means all of these accounts are inaccurately furnishing on my credit report, the company has already filed this in their taxes so why is this on my credit report? this is unlawful and in serious violations, according to 15 USC 1681eb it speaks on MAXIMUM ACCURACY in the consumer report, immediately delete

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 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Thursday, XX/XX/2023 I went to make a deposit at Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, GA XXXX at XXXX. I used my ATM card and input my pin. I selected deposit cash into my savings account. The deposit door opened, and I put my cash in. It was in cash, 2 - XXXX dollar bills, XXXX XXXX dollar bills and XXXX XXXX dollar bills. A total of XXXX dollars. After that, the system went out. It didnt give me a confirmation. I then went and parked my car and went into the bank. The young lady told me she couldnt do anything about it and for me to call the XXXX number on the back of the ATM card. 

After calling and telling the representative what happened, she completed a claim for me and denied the claim. Please let me know what else I can do about the matter. 

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 monetary relief
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion credit bureau is reporting 5 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.

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 2023-07-21 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
See attached FTC Report, notary and dispute letters

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 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: WV

Complaint narrative:
XX/XX/23 was 2 hours late chargedXXXX late fee by Revvi I called to get the late fee took off said no ask speak to supervisor said no too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: OH

Complaint narrative:
Previous disputes with CFPB against Equifax where I supplied ALL the documentations they requested regarding an inquiry that was fraud on my credit file. Equifax response According to CFPB complaint # XXXX and complaint # XXXX NON REPORTING DISPUTES Inquiry : XXXX EMPLOYEES FEDERAL CREDIT XXXX XXXX XXXX XXXX XXXX NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE BUT THE XXXX XXXX XXXX XXXX XXXX IS IN FACT STILL REPORTING. I AM GOING TO SUE EQUIFAX. Also the initial investigations TOOK WELL OVER 30 DAYS TO RESOLVE. They'll be hearing from me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Credit card was opened without authorization. When calling the company they will not do anything unless you give your full SSI # first. They will not talk to me unless I give my full account number. I never opened this account. I do not have a card, and the account # is not on the bill they are sending for a payment. This does however show up on my credit report. 

The website does not give an option to close the account and only gives the information below. 

The company name is. 

Genesis FS Card Services XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX www.Destinycard.com

Company response to consumer: Closed with explanation