vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I was approved for a {$300.00} credit limit. Upon activating my card I was charged a {$75.00} annual fee. I want this waived as I have not even attempted to use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history are incorrect and inaccurate. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$33000.00}

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 explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld systems keeps contacting us despite a debt of {$610.00} not being owed by us and being taken care of. They keep calling and sending letters and keep telling us they'll take us off their list but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
I had a XXXX account with XXXX. In about XXXX of XXXX I had to close the account. XXXX was able to close the account for me. However, they indicated that they were going to charge me the full month of service, but then pro rate it from the day of termination and provide me a refund. So I had the full month charged and paid, but then XXXX owed me a {$160.00} refund. Due to what I have been told several times by XXXX customer service representatives was a " system glitch '' I was not in the system as " being owed '' {$160.00}, but rather I owed them the money. 

I have called XXXX countless times and each time they have apologized and promised to fix it. After a year of this complete incompetence, XXXX finally sent my refund check in the mail in the amount of {$160.00}. I received the check XXXX of XXXX. Yet still to this current day ( XX/XX/XXXX of XXXX ) I am in collections with XXXX. I have been in collections for over a year. My credit score has been destroyed due to this " serious delinquency. '' And XXXX has given me no recourse. I can not even get through to their collections department. There is no email to contact XXXX. It is just endless transfers from department to department. The only way I was able to get through to XXXX after an hour of endless transfers was through an automated chat. And then after the chat was completed there was no option to save the chat for further reference.

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 2022-03-03 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: FL

Complaint narrative:
I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, transunion, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

XXXX XXXX : inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Transunion account inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-03-03 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: FL

Complaint narrative:
I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, XXXX, and equifax on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax account inquires : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
XX/XX/2022 I receive a letter < debt collection, from ON LINE INFORMATION SERVICES XXXX XXXX XXXX XXXX NC XXXX PHONE # XXXX XXXX XXXX Stating that I owe {$160.00} for the company XXXX XXXX XXXX XXXXXXXX XX/XX/2022 I called the company and they stated that it is regarding an account for someone with my name in Texas and that i need to do this report along with a policy report in order to prevent for this to be on my credit repost thus I am doing it. Please help, I have never lived in Texas and I do not know what is in regards. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
After reviewing my credit report, I noticed accounts that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
Tried calling to ask for validation of this debt got nothing but put in collections have no written letter regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
I recently filed some complaints, my information has been leaked to the dark web here a day ago I just hired and attorney to sue XXXX for damaging my credit and hurting me financially I have accounts I no my credit that does not belong to me and are fraud Im disputing these accounts as follows XXXX XXXX car loan, XXXX XXXX credit card. XXXX  XXXX credit card and XXXX XXXXl credit card and XXXX XXXX credit card.. I want these accounts removed off my credit I have filed a ftc identity theft report about these accounts, I also filed with the attorney generals office here in XXXX to help with the situation, I do have a lawyer taking this case to sue XXXX, my information has been exposed and has been used, so I want these accounts removed with no excuses because I have been treated rudely by people at XXXX, understand this has caused a lot of problems for me so please know I am providing evidence

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 2022-03-03 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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

Complaint narrative:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
Transunion is reporting an account that I have with XXXX XXXX. I never signed a contract authorizing XXXX XXXX to report this account to my credit report. Neither XXXX XXXX or Transunion has the authorization to report this account to my credit report and until a signed contract is provided.

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
A debt was placed on my credit report damaging my credit score in the amt of {$110.00} when I nvr opened an account on XX/XX/21. I never recd communication regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express ( AmEx ) denied a request to increase my credit limit today. They send me a letter explaining their decision was made based on information provided by XXXX dated from XX/XX/XXXX, showing a XXXX  score of XXXX. After spending 5+ hours with them over the phone, AmEx assured me that my credit information had been requested to XXXX as of today, XX/XX/2022. 

The problem is that my current XXXX  score with XXXX is XXXX. I have a membership with XXXX giving me live access to my XXXX  score. I then called XXXX for explanations and they advised that they were never contacted by AmEx today. Had they been contacted, they said they would have sent my latest credit report information dated as of XX/XX/XXXX to AmEx showing a higher XXXX  score of XXXX. 

The fact that AmEx based their credit line increase decision on outdated information and then lied about how they supposedly obtained this information is very disappointing. Moreover, this resulted in me being unfairly denied access to a higher line of credit, despite my good credit profile and income. The fact that many consumers out there have been provided higher credit lines by AmEx with less attractive credit profile make me wonder if any type of credit discrimination was at play here ( I have friends with lower XXXX  score and much lower income who have much higher lines of credits from AmEx on a similar product ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-03 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. Also, the accounts mentioned below should have no records of being late for I have made my payments on time. These issues were addressed to both Creditors and Experian but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 

XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-03-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted the XXXXXXXX XXXX XXXXXXXX XXXX XXXX Numerous Times because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To who May this concern, XX/XX/2022 my Bank account got hacked. 
My bank Chase was able to return me the money I was satisfied after making a new account and closed out the old one .Chase did say they filed a claim for this to be under investigation. 
Today XX/XX/2022 Chase claim department took that money from my account called my hacker and they verified I did give them access to take money out i had to give the money back leaving my account negative. 

The hacker called me from a chase number I had no idea I was being hacked to get access to my account. I feel like this is unfair my bank should be protecting my personal information not the hackers. 
And Im getting charged for being negative XXXX $ each transaction made from the bank. 
Im left frustrated and I just need to know this wont be left unresolved and my hacker winning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau
State: NM

Complaint narrative:
I sent a debt validation request to TAB services requesting information to validate debt for account XXXX listed by TAB services. In return, they sent a letter back on XX/XX/22. In this letter, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. As such, I would need them to delete all information of this balance from their collection agency, remove debt listed on all 3 major credit bureaus, and cease all contact for the above noted accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Went to XXXX XXXX XXXX for a specific toothache. After my visit they found issues that needed to be taken care of. However their plan would cost more money then I had. I have dental insurance. They said it would not be enough to cover so they had me sign paperwork and sign a form for XXXX XXXX. That got denied. I guess they found XXXX XXXX patient services. I dont recall signing an authorization for this particular institution but notified me that I had been approved for {$5000.00}. I told the dentist that we had to exhaust all other options first. I never received a notice of approval nothing. So I never used this credit line nor did I know how. I explained to the dentist that we would have to treat every appointment separately Because I could not get into debt for XXXX during an epidemic, I was losing my job and I knew I could not afford the payment. So I would pay as I go weather its with insurance or my personal funds. Next thing I know Im getting collection calls. The entire XXXX k was sent to the dentist. How is that even legal. I never received anything regarding this credit line I didnt know what payments were going to be or when they would be due. I talked to the dentist I told them I never said to use that credit line and you guys have not even fixed my original toothache. So I never returned. Now my credit is showing late payments for months the balance is over XXXX with late fees. I was working so hard rebuilding my credit and now they have put me in a even worse spot. I dont know how they can get away with 1. Releasing funds to a dentist who did not have my authorization to use funds. 2. I did not sign paperwork this company. I had no idea of the terms or how to use the credit line. I dont know who XXXX XXXX is I dont even think I have an application with them or signed an authorization for them. They want me to make payments I cant even afford. Ruining my credit. I dont know what more to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DE

Complaint narrative:
Hello- my student loan was paid in full on XX/XX/2022. However, the payoff left a residual {$19.00} balance. I called and asked to have the balance waived, and was met with a ton of resistance, over a balance less than {$20.00}.

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