vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Hello I noticed yesterday afternoon that Avant credit card had placed my account as being over limit I had no idea because I was never notified and when I checked online today nothing showed up on theyre app showing any pending transaction or on statement on the app so I called and told representative I had no idea why it would be over credit limit that I had already made my payments are in time never late and never been over my limit she stated they had taken theyre fee out of the card of XXXX why would I not be informed I said she tried telling me that this is annual fee and that I was notified I repeated no I was not notified at all I asked if over credit limit was being reported to effect my credit score and that it is extremely wrong to not notify someone so this does not occur XXXX  yes already reported I would like this to be taken off my credit report this was not right to do this and then report it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/year> {$2500.00} {$2200.00} asked for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I XXXX XXXX who is a natural born citizen and is aware of my rights under the FCRA. 
My rights were violated by XXXX XXXX XXXX. 

Account : XXXX XXXX XXXX amount {$1400.00} I am allowed under the XXXX XXXX to protect my privacy and medical records from third parties. I did not give permission to XXXX XXXX of Georgia to release my medical records to XXXX XXXX XXXX who is a third party. 

15 U.S.C 1681 Section 602 A Section 1 States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section States that a consumer reporting agency can not furnish an account under my written instructions. 

Delete this account immediately, unless you want to be XXXX for this violation.

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 2024-02-04 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, and XXXX to reinvestigate this accounts : Account name : 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
I filed a dispute with XXXX XXXX XXXX XXXX about the errors listed on this account. That your company has reported on my credit report and it needs to be corrected, modified or deleted immediately. Because my consumer rights is being violated by your company for not complying to my demands. To correct these inaccuracies from my first dispute that I submitted through XXXX. The date this account was closed was on XX/XX/XXXX. But in fact, the payment rating on that very same date as you can see by looking at my XXXX credit report. It shows that the payment was XXXX days late? Also your company reported that the last payment was made on XX/XX/XXXX, but the payment rating shows a XXXX day late notation? According to the Fair Credit Reporting Act section 623 and 15 U.S.C. section 1681s-2 responsibilities of furnishers of information to consumer reporting agencies

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 2024-02-04 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XX/XX/2024 {$2500.00} {$2200.00} asked for removal

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2024 {$2500.00} {$2200.00} asked for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XX/XX/year> {$2500.00} {$2200.00} asked for removal

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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened AMEX Business Checking account that after satisfying certain conditions, does provide XXXX membership points. The points were provided, however the only cash option available to redeem these points were Redeem for Deposits- which redeems XXXX points for {$80.00}. Meaning XXXX points were deposited for {$480.00} on account statement. However AMEX furnished 1099-INT form that claims an interest payment of {$600.00}. After several calls- they said I could have redeemed the points for {$600.00} gifts cards and they report the maximum value possible, however I have a current screenshot that I can provide of the AMEX site saying redemption from Checking Account points are ineligible for gift cards. In other words- {$480.00} is the max that can be redeemed for cash physically and 1099-INT {$600.00} payment is incorrect and not-realizable. Hence AMEX is paying {$480.00} and is writing off {$600.00} for every customer impacted by this promotion - keeping the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: FL

Complaint narrative:
I took out a personal loan with XXXX XXXX for {$2000.00} in XXXX XXXX XXXX to pay some credit card debts, I have always paid the loans payments timely, I had periods of unemployment where I was not able to pay timely, I HAVE XXXX SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX XXXX, I have no friends to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been 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, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX  due to this issue or XXXX XXXX XXXX XXXX. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT ALL OF THE LATES BE IMMEDIATELY CREDITED TO MY LOAN IMMEDIATELY!!! Also {$1500.00} payment for emotional distress IMMEDIATELY!!

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 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was trying to purchase tickets for XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Bank of America credit card didnt work for some reason and after several attempts to pay with the card including calling their customer service, they sent me the invoice for wire transactions. Being unfamiliar with sending money abroad, and to avoid any mistake I went to the nearest Bank of America Office to make the payment. They filled out the documents and sent the money. After XXXX weeks I contacted XXXX customer service, and I found out that they still have not received them. I asked my bank to help me trace the money and send me the confirmation. I have never received any credible information, my money has never been returned to my account and according to the recipient, they didnt receive it either. 
I spent countless hours calling the bank and trying to get any information. I've been transferred back and forth to different departments with the main goal of getting rid of me. Then, they began to give me contradictory information like the trace request was sent but the bank didnt respond, we didnt send it, somebody sent it in the wrong way etc. Eventually, I sent the documents to the XXXX customer service, and they went to the financial department, and they told me that they failed to add XXXX letters that were at the end of the account. I went to the bank asking them to fix it and to clarify the payment, but they failed to do that either. Then they told me that we must wait 90 days before they could start the investigation, then eventually, after several trips to the bank during my working hours as they are closed during weekends, we filed the complaint that was rejected after several months, and the reason was stated that the complaint was made outside 60 days requirement for disputing the transaction. So far nobody is willing to find out where is my money and assist me with tracing it.

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 2024-02-04 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action

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 2024-02-04 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
Experian website has issues resetting password. It is a simple problem, but the site has been this way for several months, since my first attempt in XX/XX/year>. I am simply trying to reset my password but the site just hangs with no indication of success or failure. I will now send them request by mail ( per their automated phone instructions )- they also do not allow you to talk to live agents. Fortunately, this is not an emergency but just makes life difficult as I am XXXX XXXX living in XXXX and I do not have a lot of free time. 

Again, a simple problem but has had my credit frozen for several months and still unable to unlock my account. I will send them a written request by mail.

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 2024-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are 4 credit card accounts that needs to be deleted from my credit report, the accounts are not mine.

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 2024-02-04 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, and Transunion to reinvestigate this accounts : Account name : 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect addresses and names are being reported across my experian report. Ive mailed in multiple letters verifying my current address. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX! Delete all others. They do not belong to 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 2024-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a VA mortgage carried by Mr. Cooper mortgage company. I XXXX my mortgage nearly doubled. I asked the escrow department about this and I was told that I had a property tax increase. I informed the escrow department that I was property tax exempt. I emailed the county paperwork at the escrow departments request. My mortgage has not changed even after speaking with them and emailing the forms on four different occasions. I was told that If I were correct I would get a refund in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I created a document PDF for this box. Please see the attached letter with the information, references, and actions taken by me and the associated codes and laws that support my complaint. 
Thank you kindly. 

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 2024-02-04 00:00:00
Product: Credit reporting 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:
I created a document PDF for this box. Please see the attached letter with the information, references, and actions taken by me and the associated codes and laws that support my complaint. 
Thank you kindly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
XX/XX/ Hello, I am writing this letter to contest the so-called resolution to my XXXX dispute report number XXXX. Per the following screenshots from my XXXX credit report ( see attachments ), you claim that I have XXXX EdFinancial Services federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the EdFinancial XXXX Account Verification Letter used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across two individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my XXXX open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive tried disputing addresses on my experian credit report for years and every time they say it is updated and accurate when its not

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 2024-02-04 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION

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