vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: SC

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-24 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: SC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$7200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}

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 2022-05-24 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: SC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$7200.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}

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 2022-05-24 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: SC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my witten instructions.

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 2022-05-24 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: GA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX 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 2022-05-24 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: SC

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00}, ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
On XX/XX/2022, I sent a certified letter to Transunion, XXXX, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.

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 2022-05-24 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: NV

Complaint narrative:
I booked a hotel stay from XXXX and financed it through XXXX XXXX the manager at the hotel named XXXX charged my credit card with no permission two weeks later I contacted the hotel chain no help I contacted XXXX they called hotel and claimed I was there those days on two occasions I called XXXX  XXXX to let them know I was a victim of identity theft and I filed a report with the FTC and sent them a copy no help from them I had paid XXXX XXXX XXXX while under investigation to keep any bad marks off my credit report this problem was 4 months old and no results because XXXX keeps appealing the dispute so I filed a claim with my bank and they got my money back, I payed twice once from my bank and once from a credit card. XXXX sent a notice and I told them I was a victim of Identity theft, and they can't add this to my credit report, they added the charge off to my Experian report I disputed it Experian says it stays on report they even have the FTC report the only thing I can think at this point is because they are the cause of letting charge off show on report I even contacted XXXX  XXXX  and explained what happened and I could send the FTC report and got no answer. just to recap my damages I payed XXXX XXXX times I was also charged a week of parking when i only stayed one night not a week my bank got XXXX back for me the rest is outstanding I can't rent a place to stay or they want double deposit I have been turned down for auto refinance a personal loan all because of XXXX  XXXX they sent an email to boast about what they did I have all receipts and FTC report and emails to prove I was checked out of hotel I stayed at another for two weeks straight

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I called Chase bank on my XXXX XXXX XXXX XXXX card. I had booked a trip that previous XXXX using my card and points. Part of the the XXXX card benefit is a first checked bag fee waiver for 2 flyers. I knew my annual fee of {$95.00} would be coming out in XX/XX/XXXX, so I called in to ask specifically about how changing my card to the lower, no annual fee, tier level would effect my already booked trip. The reason I asked was if the bags were going to be free, I would downgrade. If not, and knowing I'd have more than 2 bags for my family, I would rather pay the {$95.00} annual fee vs. the cost of 4 total bags at {$140.00}. The service rep specifically told me my bags would be free even if I downgraded since that trip was already booked back in XX/XX/XXXX using the higher tier card. After confirming again with the customer service agent, I requested to downgrade. On XX/XX/XXXX I arrived at the airport to find out that the bags weren't free and I owed {$70.00} each way for a total of {$140.00}. I paid it so as not to be stuck at check in. When I got home, I called Chase back on XX/XX/XXXX. I explained what I was told and requested a {$45.00} credit. The difference of {$140.00} that I paid and the {$95.00} annual fee I would have paid. I was denied up front, so I requested a manager to put in an investigation and to listen to the recorded call on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from Chase informing me that they confirmed their customer service agent informed me that I would have no bag fees, but that they could not credit the account and referred me to another mailing I would receive with the terms and conditions of the lower tiered card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX 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 2022-05-24 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: GA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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 — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
My identity was stolen and a Swiss Colony/Montgomer credit card was open in my name and charged in the amount of {$750.00}. It appeared to have been open XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
On XX/XX/2022, I sent a certified letter to XXXX, XXXX, and Equifax. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
On XX/XX/2022, I sent a certified letter to XXXX, Experian, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.

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 2022-05-24 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: SC

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}

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 2022-05-24 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was reviewing my credit profile and I see fraudulent inquiries on my credit report that I did not authorize. These inquiries is not my accounts. The inquiries are American Express XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-24 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: GA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}

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