vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXXT XXXX Date Opened : XX/XX/2005 Balance Owed : {$4900.00}

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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX  below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
XXXX date is XXXX Talked to this XXXX they told me that clear path lending pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for clear path lending, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for clear path lending. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as XXXX below, and clear path lending. 

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 Revolving Credit Accounts and account number XXXX XXXX  Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXXXXXX XXXX XXXX These Accounts are not mine no supporting documents XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX  XXXX XXXX XXXX. These accounts are not mine never provided me supporting documents. 

Transunion XXXX Personal Information XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXXXXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

Transunion you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.

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 2022-03-08 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: TX

Complaint narrative:
I am being violated by Experian as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. 

I purchased two roundtrip flights through Amex Travel with departure date of XX/XX/2022 and return date of XX/XX/2022. 

The flight was from XXXX to XXXX XXXX with a layover in XXXX. We get on the plane on the XXXX XXXX  XXXX and landed in XXXX where our flight was canceled. So we had to get a hotel and wait for the next morning to get on the flight we were rebooked too. That flight was canceled and subsequently the next 4 flights we were rebooked too. We never ended up getting to go to XXXX XXXX. We got stuck in the XXXX airport until the XXXX where they finally were able to get us a ticket back to XXXX. 

All I have been trying to do since XX/XX/XXXX is get my refund for the tickets I purchased that I could not go too. I am going to look pass the countless XXXX I had to take back and forth from the hotel and airport due to the airlines canceling the flight each time 10 mins prior to the flight flying out. 

I have been calling Amex for the pass month trying to resolve this they keep putting me on hold, transferring me to someone else, they put me on hold, transfer me to someone else and then eventually I get stuck on hold with no one returning to the phone and I have to repeat the whole process. I have this feeling they are doing it on purpose. 

They are wasting my time, stealing my money, and not trying to reconcile the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have not received information to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: IL

Complaint narrative:
This account is not mine, and needs to be removed from my credit report. I've already disputed it before, and it's still showing on my XXXX and Experian 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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
In XX/XX/2021 I received marketing material from avant- credit card advertising {$750.00} credit limit credit card that would double in available credit if I made 6 timely monthly payments which I did. 
I requested a credit limit increase just like the advertising material said but was denied. 
After this I waited until month number 8 to request a credit limit increase and was denied, the reason given was that I had applied 30 days earlier, so I called customer service and explained it had been more than 8 months of timely payments and they werent holding their end of the agreement. Nothing was resolved. 
That is why I am submitting My complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2021, I bought a flight ticket ( XXXX XXXX ) for my cousin XXXX XXXX XXXX, using my Discover credit card on XXXX ( travel agency ) website. The ticket fare was {$1000.00}. 
We reached airport on XX/XX/2021 at XXXX XXXX  to check in the flight, but the XXXX XXXX agent mentioned that there were issues with the XXXX XXXX transit and did not allow my cousin to check in the flight that evening. My cousin 's father ( XXXX ) passed away in XXXX and she had to travel. Because of the flight agency, she could not see the last rites of her father. Also, the agent from XXXX XXXX confirmed that the ticket is cancelled and the refund will be issued through the third party travel agency ( XXXX ) We came back and requested the travel agent XXXX ( Confirmation # XXXX ) for the ticket refund. They did not give me refund saying that we did not show up at the airport. 
I called my credit card ( Discover ) and claimed for the ticket refund. They took 30 days for the claim process and still did not give me refund for the ticket that was not used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Someone attempted to open a credit card at Target using my name and phone number. They had my address correct and name but incorrect drivers license and other information incorrect. Target called me and are not allowing the card to be approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Dispute was submitted XX/XX/XXXX. 

Here are the details of what happened. 

I received a {$500.00} Vanilla Gift Visa Prepaid card for my wedding on XX/XX/XXXX. On XX/XX/XXXX, after returning from my honeymoon, I opened the packaging which was intact and did not look tampered with and checked the balance on the website VanillaGift.com ( I've had another issue of a VanillaGift Prepaid not being activated after purchase last year, so I check the balances of all gift cards/prepaid cards now ). When I checked the balance, there were several charges to XXXX throughout XX/XX/XXXX and several reversal batch transactions that added funds back in. The total fraudulent charges totaled {$140.00} after all the batch reversals. I called VanillaGift.com at XXXX ext. XXXX and told them about the brand new card being compromised even though the packaging was intact. The woman on the line told me she could see the transactions and reversals and confirmed the card was compromised and she would be issuing me a brand new card. I asked her if the new card would be for the full {$500.00} and she said yes and that it would take up to 30 days to receive the replacement card. 

On XX/XX/XXXX, the replacement card arrived and the front of it shows {$360.00} and to activate it by going to the website or by calling ( There is no way to activate on the website either ). I called VanillaGift.com XXXX ext. XXXX and told her about my experience with the other woman on XX/XX/XXXX. She confirmed she could still see the fraudulent transactions on her end, and that I would need to file a dispute ( she told me to use this Dispute # XXXX ). She said it could take XXXX business days plus 90 days for them to complete the dispute. 

By calling on XX/XX/XXXX, I had already verbally disputed ALL the transactions. I had never used the card and had just taken it out of the packaging. The woman did not give me a dispute form on XX/XX/XXXX. Only after calling a second time about the remaining missing funds was one presented. 

I sent an email and a letter at the beginning of XX/XX/XXXX, and they finally responded. 

Today, XX/XX/XXXX, I received an email from the dispute team saying they saw no errors. The transaction list shows fraudulent activity and batch reversals that are clear there was an issue with this prepaid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MD

Complaint narrative:
1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX, CA XXXX ( XX/XX/XXXX ) Allowed credit report to be accessed while BLOCKED : XXXX, XXXX - XXXX XXXX XXXX ( I DO NOT AND HAVE NEVER HAD AN ACCOUNT WITH THIS ORGANIZATION ) ( XX/XX/XXXX ). This company was allowed to ILLEGALLY access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: KS

Complaint narrative:
I received a letter from Harris & Harris. The letter appears to suggest that the organization is a law firm. In response, I contacted Harris & Harris. Their representative attempted to suggest that the organization was a law firm. However, when I asked who their managing partner was they had no idea what I was speaking about. 

I believe this company is a front and that the organization is not a law firm but simply a third party collection agency that attempts to coerce payment by suggesting the individual has been referred to a law firm. 

Further, I checked and Harris & Harris is not licensed to practice law in my state. 

This is both in violation of the FDCPA as well as state consumer protection laws operated by statute here in the state of Kansas. 

While my particular account has a dispute involved I think this is perhaps the most illegal thing any collection can do because it is outright coercive and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I refinanced and paid off my vehicle loan with Kia Motors Finance ( KMF ) in XX/XX/XXXX. I sent them the cleared check that clearly stated that the " Payee '' - Kia Motors Finance cashed the check. It was in XXXX XXXXThey claimed that the " bank cashed the check '' and that they never got it. Not possible, however they still made that claim. They took an additional payment from me of {$450.00} in XX/XX/XXXX even though I had stopped the automatic debit option in XX/XX/XXXX. Their online portal showed the full payment made and I received no bills or notices from KMF in XXXX or XXXX of that year. In XX/XX/XXXX, KMF started sending me bills again even though payment in full had been made in XX/XX/XXXX. I called them, texted them and tried to get them to fix their problem after receiving these new notices. At first they said they would fix their problem, then they stated they received the payment, but that it had been credited to an " invalid '' account. Then they stated that there was an incorrect account number on the check they received and placed blame on the sender even though their name, my name and the account number were 100 % correct. Then they stated that the " bank had the money and that they didn't even have an account with '' the bank they cashed the check with. 
Well, during all of this time, they continued to harass me for payment not due, continue to assign " Past Due '' charges to my account, continued to accrue interest charges, and I started receiving notices of impacts to my credit score along the way. 
The bottom line is a warning not to ever do business with Kia Motors Finance unless you want to be treated as poorly and irresponsibly as they treated me. There is no " customer service '', only individuals under that heading that are there to solely protect KMF, take your payments, unfairly threaten former customers, and provide false information to cover themselves and KMF when their incompetence and mistakes are revealed. It is unfortunate that businesses like this are allowed to flourish and not be held accountable for their unethical business practices. Borrower Beware!!!

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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter requesting the removal of unauthorized inquiries on my report which I do not recognize. From Transunion, I didn't even receive a response concerning these inquiries at all nor were these inquiries removed which is damaging to my reputation and credit report. From the other two, they didn't do anything to remove them at all. This shows that our information can be requested and distributed without our permission. This isn't how it should be ... no privacy anymore.

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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
BSI financial has totally messed up my escrow. I have asked to remove them from making my escrow payments they refused, I updated my homeowner 's insurance premium and they increased my payment, even though my homeowner 's insurance went down. They for some reason attempted to disburse my homeowner 's insurance payments more than is necessary. I would like a XXXX party review of my escrow account with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX reported to XXXX XXXX 6 delinquent accounts in my name for XXXX Arkansas. I only had 1 account with XXXX Arkansas in my name for medical care i recieved, when I broke my ankle in XXXX. When XXXX Arkansas sent the information to mid south adjusting, they sent each follow up visit as a separate bill/account. I only have 1 account with 1 balance that I'm paying on. When Mid South received the information they reported to XXXX XXXX 6 individual accounts for XXXX Arkansas in my name. The way they are reporting this to my credit report as 6 different accounts is completely unethical and wrong! I contacted XXXX Arkansas, who informed me it had been turned over to Mid South Adjusting, and I would have to talk to Mid South adjusting, when I called Mid South Adjusting, they said I would have to call XXXX Arkansas that they ( Mid South ) couldnt change anything. After 3 rounds of beig referred to the other company I have become completely frustrated. I have tried disputing the information through XXXX XXXX and have gotten no where. Now to top it all off I go and check my credit report for XXXX XXXX and they have listed all of the Mid South Adjusting ( 6 ) as Chapter XXXX wage earner plan account. Yes I was in bankruptcy, discharged in XX/XX/XXXX, but I never added these medical bills to that bankruptcy. I tried to dispute it via XXXX XXXX and and I get no where, it says I already summited a dispute. Oh and FYI I am making {$250.00} a month payments to Mid South Adjusting on a {$6000.00} balance combined 1 amount for 1 account, because they said they could not accept any less than that a month or they would garnish my wages. It is really putting me in a bind, but I'm trying to get this done and when I ask them to correct information I get the run around!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation