vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-24 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: Block, Inc.
State: TX

Complaint narrative:
Cash app card was stolen. I filed a dispute with Cashapp and it was denied because the card was present. OF COURSE IT WAS... IT WAS STOLEN. 

XX/XX/XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account had a feature that allowed monthly service fees to be waived and they were not doing that and or for overdrafts and was done.

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 2023-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: PA

Complaint narrative:
I lost my credit card I reported this to this company self four times and called customer service to dispute they denial they stating its the same charges which that dont mean anything its wrong thats someone use my credit card.I told them the charges thats on this account that Im responsible for is the smart credit because its was automatically payment of XXXX every Month I am a loyal customer with self for 3-4 years. Never have late Payments. I am not responsible for {$470.00} I was at neighborhood festival I had my cards in my back pocket. I didnt notice there was charging on my account until I got a email saying my balance was high. I will not pay for the balance. Also paid one payment cause I dont want my credit to get mess up but I am responsible for theses charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, I discovered an unfamiliar credit card account on my credit report with American Express. The account was associated with the XXXX XXXX XXXX XXXX. However, I had no knowledge of receiving it. I immediately realized that this account was fraudulent and that I had been a victim of identity theft. 

Despite my efforts to contact American Express and report the fraudulent charges, they insisted that the account was opened legitimately and that I am responsible for all charges, as per the Cardmember Agreement ( CMA ). I explained that I never received the physical card and that all the charges on the account were made by someone else without my knowledge or consent. 

In response, American Express initiated a fraud investigation on XX/XX/XXXX. However, their investigation seemed insufficient as they closed it on XX/XX/XXXX, citing a lack of necessary information. I continued to dispute the charges and provided additional evidence to support my claim, but it seemed that my concerns were not being adequately addressed. 

I am frustrated and concerned about the impact this fraudulent account is having on my credit score and financial well-being. It is essential for American Express to take my claim seriously and conduct a more thorough investigation into the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this letter finds you well. My name is XXXX XXXX and I am writing to dispute several inaccuracies that have appeared on my credit report, dated I have recently obtained a copy of my credit report, and after careful examination, I have identified some discrepancies that require immediate attention I believe these inaccuracies are negatively impacting my creditworthiness and overall financial standing. Below is a list of the disputed accounts along with their respective account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to bring to your attention that the inclusion of the above-mentioned accounts on my credit report is erroneous and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ). According to these provisions, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Any information that can not be verified as accurate must be promptly removed from the credit report Moreover, as per the FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification of the information provided on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with documented proof of their validity. If you are unable to furnish such evidence, I demand the immediate removal of these items from my credit report. 

It is crucial to emphasize that a fair and accurate credit report is vital for me to obtain loans, credit cards, housing, and even potential employment opportunities. These inaccuracies are unjustly tainting my financial reputation, and I am taking all necessary steps to rectify this matter. 

I trust in your expertise and professionalism in handling this dispute. The FCRA mandates that credit bureaus investigate disputes within 30 days of receiving a request. Therefore, I kindly request your prompt attention to this matter to ensure a timely resolution. 
Please provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been rectified. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and a corrected credit report that accurately reflects my financial history.

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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: MN

Complaint narrative:
My vehicle lease was originally slated to end on XX/XX/2023. I recently found out my wife is XXXX, and didn't want to have to deal with lease return stressors while we reorganize our lives to accommodate the baby, so after making what would have been my final lease payment on XX/XX/XXXX ( which successfully cleared the bank and was applied to my financing account ), I requested a lease extension. 

The lease extension was approved, and the text of the confirmation e-mail stated, and I quote, " Your state requires us to charge upfront taxes for the full term of your lease extension. The amount due is {$75.00} and must be paid in full with your next payment. '' I thought nothing of this and moved on with life. On XX/XX/XXXX, I received a phone call from Honda Financial Services, telling me that my payment for XXXX was late, and I need to make a payment immediately. I panicked, thinking that my usual {$350.00} payment had evaporated into thin air. Upon signing in to their online portal, I discovered that they had actually applied the tax charges *before* my next billing cycle, contrary to what their e-mail said to me, meaning my account shows a {$75.00} late payment amount. In other words, it's as if they charged the tax in XXXX, but told me it would be due in XXXX. 

What appears to have happened here is the tax-charging system charged against the then-current billing cycle, which I had already paid to {$0.00}. I never received notification that this charge was applied, I was only told that I it would be due " with [ my ] next payment, '' and was not told this issue occurred until it was too late. 

I reached out to HFS by phone, and they told me I needed to pay taxes immediately regardless of what the e-mail said, because it's now Day 9 post- '' late '' -payment, and on day 10, fees are applied. This is in direct contradiction to what their e-mail indicated. 

In summary, to anyone looking to extend their lease with Honda Financial Services, their tax-charging system is poorly implemented and will charge to whatever the current billing period is, seemingly based on the current date. If you intend to extend your lease and are expecting to pay tax on it next month as their e-mail suggests, request the extension AFTER the billing cycle ends, not before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 2023-07-24 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: EQUIFAX, INC.
State: IL

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.

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 2023-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope this letter finds you well. My name is XXXX XXXX and I am writing to dispute several inaccuracies that have appeared on my credit report, dated I have recently obtained a copy of my credit report, and after careful examination, I have identified some discrepancies that require immediate attention I believe these inaccuracies are negatively impacting my creditworthiness and overall financial standing. Below is a list of the disputed accounts along with their respective account numbers XXXX- Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX- Account number XXXX XXXX Account number XXXX XXXX- Account number XXXX XXXX XXXX- Account number XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX- Account number XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX-Account number XXXX XXXX- Account number XXXX XXXX XXXX XXXX Account number XXXX I wish to bring to your attention that the inclusion of the above-mentioned accounts on my credit report is erroneous and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ). According to these provisions, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Any information that can not be verified as accurate must be promptly removed from the credit report Moreover, as per the FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification of the information provided on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with documented proof of their validity. If you are unable to furnish such evidence, I demand the immediate removal of these items from my credit report.

It is crucial to emphasize that a fair and accurate credit report is vital for me to obtain loans, credit cards, housing, and even potential employment opportunities. These inaccuracies are unjustly tainting my financial reputation, and I am taking all necessary steps to rectify this matter.

I trust in your expertise and professionalism in handling this dispute. The FCRA mandates that credit bureaus investigate disputes within 30 days of receiving a request. Therefore, I kindly request your prompt attention to this matter to ensure a timely resolution.

Please provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been rectified.

Thank you for your prompt attention to this matter. I look forward to a swift resolution and a corrected credit report that accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: IN

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

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