vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi Team, Someone tried to submit the loan application behalf of my name and details and id and they submitted my id not sure from where they have pulled my details to apply a loan with XXXX XXXX XXXX. 

please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize. 


According to 15 USC 1681- it is defamation to my character and livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I recently had my irs refund deposited into my Chase account in the amount of XXXX. However, being in XXXX XXXX and my mail goes to Louisiana, I didnt have a physical card, I had the card added to my wallet on my phone to be able to make withdraws and online purchases. I do not have direct deposit set up to it, I use a different bank with my job. After the deposit hit, I started XXXX my family and friends money as well as my girlfriend. When I tried to XXXX my gf, they kept stopping the transfer forcing me to call chase and go through several security features in which I passed and they just kept transferring me. So I finally decided to have a card mailed to me in XXXX XXXX and after she stated it would take 10 days to receive my card I asked her if she could expedite it in which she had to resend another card which would arrive in 2 days for a fee. So still not being able to XXXX my gf I decided to go into the bank, make a withdrawal from my account, I provided all identification they requested and they tell me that my account had been closed by the bank for suspicious activity. That was their fault. If the calls are monitored like they say then they would know that. Every XXXX I completed was successful except the one to my girlfriend and they closed my account without me being aware until I decided to go in and get my funds., Every check that I deposited into my account was from either an attorney or the irs . I have never deposited cash into my account. Only checks from business. So now they close my account saying its restricted and when I asked if they are going to close it, then while Im here in the bank, I would like my funds in cash. They tell me they cant give me my funds and they will send me a check in 10 days. I have no outstanding balance, I dont owe anyone, and I should be able to get my cash. Ive been hung up on, transferred left and right, explaining that any unusual activity on my account is THEIR doing, not mine. All I wanted to do was send a XXXX to my girlfriend and each time I tried they kept stopping it even after I verified. I even brought her to the bank with me and had her show her identification. So I definitely feel everyone needs to know exactly how Chase treats customers. I have attached exactly how many times Ive had to call in to authorize the XXXX transaction to my girlfriend and passing the security verification via customer service rep and they kept canceling my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: DE

Complaint narrative:
Please update credit report to show no late payments for the last 24 months in accordance with the Good Will Letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FORD MOTOR CREDIT CO.
State: AR

Complaint narrative:
I need this investigation to be looked at further, and deleted from my account as the information is inaccurate and falls.

It is displaying late payments on my account that were not in fact late one of them. I had a freeze on my account and was not obligated to make a payment during that time in which case they still reported late.

The most recent one was due to me, selling my car to a dealership. I was promised, and also signed a contract that Id be no longer responsible for payments or for this car and instead, they reported a late payment when the car was in fact no longer my responsibility, nor in my control. 


Ive been told by two different Ford managers that it is actually illegal what XXXX did in buying out my lease before the payments had run out, I was not aware of this, and during that time is when another late payment was posted I am asking for this negative report to be immediately deleted from my file as it go against my rights and regulations in credit reporting by being falsely recorded information. 

I have tried many times to call to resolve this. The manager at XXXX consistently for the last year has said he would and it never has fallen off my report and Ive also called FORD MOTOR CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AccessOne  Holdings, Inc.
State: NC

Complaint narrative:
I was 6 days late on a {$60.00} payment due to scheduling errors with automatic draft. This automatically put me in a 15 % interest rate terms. The remedy my lateness, I made extra payments and set the auto draft date earlier. I was not told that I would start accruing 15 % interest after this payment. I have found documentation stating that a {$10.00} fee would be levied, but not finance charges ( attacehd below ). The company nor I can find any document saying that they told me that this would happen. I have since paid for this loan so as to not accrue interest while procedings continue. I would like to be reimbursed for this money they stole plus interest and late payment fees that would accrue according to their own contracts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
AMERICAN EXPRESS and solely AMERICAN EXPRESS company has affected my credit score and utilization ratios. 

In XXXX, American Express reviewed my AMEX Platinum card and reduced its limit from NO LIMIT to {$2800.00} bringing that card instantly to a 42 % utilization ratio. 

This adverse action by them then affected my credit score, which brough it down and therefore affected the way my credit is reviewed from that point forward. 

In XXXX, American Express, once again " reviewed '' my credit and decreased my AMEX blue, which had a credit limit of {$10000.00} and a balance at the time of {$5500.00}, down to {$6100.00}. That brought my utilization ratio to 90 %!!! It also brought my credit score down once again. 

They then " reviewed '' my credit once again after their prior decreases and took an adverse action to now reduce my AMEX business card from {$2900.00} to {$800.00}. With only a balance of {$370.00}, it brought my utilization ratio to 46 % They also created a preset spending limit on my business card. 

I contacted them on XX/XX/2023 in order to reach a compromising resolution for both parties and their only response was to wait for another " review. '' I noted to them that if they don't reverse some or all of the decrease 's, then they are putting me in an unfair advantage of having my credit affect me adversely for anything else. They did not care nor did they offer any reasonable resolution. 

The ONLY credit card company in ALL my history of having credit cards has been American Express to use my credit and their adverse actions to decrease my limits, therefore affecting my utilization ratio across all my credit and bringing my credit scores down even further. 

It is noted that the FAIR Credit Reporting act is supposed to make companies use information within your credit reports in a FAIR way. American Express has found a way to unfairly review my credit reports and NOT take into any consideration my actual credit history. I have never missed a payment. I have paid above my minimums and always way before any due dates. I have paid off all my debts before ( just last year I paid off all my debt. ) I had never held an American Express card. I had worked on raising my credit over years. When an American Express was offered to me, which was the Platinum, I saw it as a benefit for my credit history. I regret entering into any credit agreement with American Express as they are unfairly dismantling my credit month by month without a FAIR and reasonable reason. Their actions and so-called " Reviews '' of my credit have brought my credit down over 20 points since XXXX. 

This MUST BE HELD as an UNFAIR Credit practice! Consumers should not be punished for doing what it is they are supposed to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
Problem : On XX/XX/2023 I reviewed my loan balances on the MOHELA website. The website stated I had {$6300.00} in interest on my account that accrued during the COVID-19 0 % interest payment pause. 

Action taken : On XX/XX/2023 I called the main customer service number and communicated the problem to a service representative. He spoke with his mentor and his mentor stated the interest amount was correct, that this was interest that I owed that had accrued on my loans. I stated that 3 of the loans had been paid in full during the pandemic. The payments I made were reimbursed to me ( per my request ) and only totaled the principal balance of those 3 loans. Since this all occurred during a 0 % interest period, there would be no mechanism for the balance to have accrued interest. I asked for my call to be escalated. The service representative escalated my call to the Resolutions Department.

I told the representative of the Resolutions Department that I had loans that accrued interest during the 0 % interest payment pause. The Resolutions Department representative stated my loans should not have accrued interest during this period and said the error would be corrected. The representative did not ask for any additional details. I asked if MOHELA would review my entire account to assess for incorrectly applied interest. The representative said yes. She said it would take 5-7 business days. 

As of XX/XX/2023 the {$6300.00} in interest accrued during the COVID-19 0 % interest payment pause remains on my account. 


These are my loans and the amount of interest added during the 0 % interest period : Loan 1 Dispersed : XXXX Principal Balance : {$6400.00} Interest : {$100.00} Loan 2 Dispersed : XXXX Principal Balance : {$13000.00} Interest : {$210.00} Loan 3 Dispersed : XXXX Principal Balance : {$20000.00} Interest : {$0.00} Loan 4 Dispersed : XXXX Principal Balance : {$15000.00} Interest : {$0.00} Loan 5 Dispersed : XXXX Principal Balance : {$5100.00} Interest : {$0.00} Loan 6 Dispersed : XXXX Principal Balance : {$3100.00} Interest : {$0.00} Loan 7 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00} Loan 8 Dispersed : XXXX Principal Balance : {$19000.00} Interest : {$3600.00} Loan 9 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and equifax as well As XXXX XXXX continue you report negetive info about my report without my written consent they keep allowing 3rd party debt collectors report and they infringed on my privacy15 us code 1681 a also n 18 us code 8 I mean I am my own creditor I have unlimited Credit yet its the law that they inform me about reporting on my report then they have to have my consent to do So but they never have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: DC

Complaint narrative:
XXXX XXXX is ran as a charge off on my report. There was not a 1099c cancellation of debt form received which makes the account inaccurate with reporting and needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: GA

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case EXPERIAN. I have NEVER been late and XXXX payment history is always on-time and current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I dont check my account balance and transactions only if I have to and I checked Monday XX/XX/XXXX and I noticed my account balance was lower then I thought it would be so I checked my transactions and saw 5 XXXX payments all to the same guy never heard of this person or the name so I filed a dispute for {$430.00} and then today XX/XX/XXXX I got back saying they couldnt refund my account and nothing seemed to be wrong but I didnt authorize these payments so hopefully this can get resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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