vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have Parent Plus Loans that have been taken off of all of my credit reports and should be off of all credit reports but for some reason Transunion continues to show them on my report which is causing damage to my credit and has kept me from being able to receive loans to improve my life and help me reestablish the Agribusinesses and everything else I lost after being XXXX in severe accident. I spoke with them on the phone and was told to give a month or 2 at the most. When nothing happened I filed 2 more Complaints through XXXX XXXX but Transunion is still showing them as open and outstanding instead of showing them as closed and paid like the other Credit Bureaus. This is causing a lot of harm to me on a personal level and keeping me from being able to improve my life since being XXXX and being able to leave the Assisted Living Facility I was in for almost 5 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DigniFi
State: IL

Complaint narrative:
Someone impersonated me and a loan was taken in my name via https : //www.dignifi.com/ in XXXX. I only found out about it when they called me for payment in end of XXXX. For the next few weeks, I got the run around from them, kept saying that their fraudulent department would get back to me, that there was no direct line for me to talk to. At every call, I requested they send me a copy or proof of the documentation that was taken in my name for the loan. They wouldn't. At the last call, after a lot of talking, they told me I could email their fraud department a copy of my DL and Social Security card and that they would then look into the fraud claim. I told them I did not feel comfortable emailing them that information, since it wasn't secure. They said then there was nothing they could do for me. That is when I filed a dispute via XXXX, which they denied and is why I'm now filling a complaint. I've also frozen my credit and am monitoring any future acclivities to hopefully not have this happen again. They didn't verify the personal address when issuing the loan since the person used my office address ( I'm a dentist, so this is public information ). The office address is not listed any where on my personal credit history so if they had run the credit, it would've been obvious something didn't smell right. Any help from your end would be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-01-08 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, On XX/XX/XXXX, I was charged an amount of {$530.00} by the XXXX XXXX. I have no idea what this company is or was until the fraudalent charge was placed. 

I called capital one to dispute this charge and was denied XX/XX/XXXX. I confirmed every other charge around that date and confirmed other purchases. This charge was not one of them. I'm not sure what proof I can provide since I do not know what this company is or did not recieve a text or confirmation from the app that I made this purpose. If there is anything I can provide proof for, I will but this was definitely not my charge. I am quite upset since I tried to offer anything I could but all they could do is tell me to wait and just deny me the charge without any proper explanation. I would greatly appreciate your help since I am only a student with limited time. If there is anything that I can provide for proof I would be happy to. I just don't know what to do since I have never heard of this company before or done business with a company named Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I paid the balance of my Avant Credit card off and requested to have the account closed on XX/XX/2023. I received an email from Avant indicating the account was closed on the date listed above. However, the following month, I received an email indicating I still owed on this account as well as the preceding. It has been noted on my credit report with XXXX that the account is behind in payments and has adversely affected my score. I am looking to work again, and this is having an impact on my ability to clear my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 a 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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 a 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 a 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 2024-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I have had the company already file for a garnishment in XX/XX/2023. Taking {$920.00} that was 80 % of my wages leaving the remaining balance of {$1000.00} starting balance was XXXX after the interest the beginning balance from the property is XXXX we the company and the owner fixed the percentages they stopped collecting the money via garnishment now there is a new court files same company different resident address different complex to file a new garnishment now the new garnishment is for {$2100.00} they told me that there will be an 18.4 % interest every day witch is not right I have called for three years to clear this balance and the employees are the XXXX rude people I ever had to deal with the man told me I was pathetic and needed to look in the mirror he was going to take all my money they keep adding money to the collection t

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a good credit score and a good history and every time i try to apply for a card they deny me and they even say they dont know why is that cuz i have everything in good standing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Unauthorized inquiries on my Experian credit report that I would like removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I have filed a previous complaint about this same XXXX bill and it was closed with the previous agency due to the complaint. It was not supposed to be sold to another agency. It has since been sold and is now negatively impacting my credit score. This needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law 15 U.S. code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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 a 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 a 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 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I received a call from 'Wakefield & Associates XXXX, phone number : XXXX The message stated I had an outstanding balance with my local hospital. I have them no information, and upon contact with my local hospital, I had no outstanding balance. 

This is obviously a scam of some kind. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Payment for Hilton Honors Am Ex card was processed on XXXX XXXX, which is the payment due date, see attached proof of payment from XXXX XXXX. Am Ex claims that they received the payment a day late on XXXX XXXX  and charged my account {$29.00} late fees on XX/XX/XXXX and interest on XX/XX/XXXX at {$11.00}, which is now due on XX/XX/XXXX, total of {$40.00} in fees and interest for payment that was " processed on XX/XX/XXXX ''. 

I reached out to AM EX customer service via chat and voice call. They insisted that they received the payment on XX/XX/XXXX. None of them were able to offer one-time courtesy credit ( My bills are paid in full and on time ). 

I am also concerned about additional interest on these late fees and interest popping up in subsequent cycles of billing. 

Numerous consumer board chatter/conversations state similar issues with Am ex charging strategies - fees and interest in similar situations as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This company violated the TCPA, and was placed on notice. The company failed to validate the debt, and made no further contact following being put on notice for their violations. Their failure to validate the debt not bars them from recovery and the legal right to report derogatory information, or any information regarding the a debt they have failed to validate. In XXXX of 2023 I was contacted by their attorney XXXX XXXX, at which time I provided him copies of all transmittal 's sent to his client, XXXX  Credit card, and demanded that they either remove themselves from my trade lines, or sue me for their claimed losses, at which time I would counter-claim and seek damages for their violation 's under the TCPA. 

I Demand that this creditor be removed from my trade lines immediately and subject to any sanctions or fines that they might be subject to for their violations under the fair credit collections act, and the TCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan infinity financial services is reporting an account that is open on my credit report that needs to be closed this account was included in the chapter XXXX bankruptcy whenever I call and spoke to a representative on the telephone the representative advised me that there is account that is open also my attorney has a called XXXX way and they did the same thing we're going to take legal actions against XXXX financial and infiniti finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

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 a 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 explanation