vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the XXXX XXXX CT NY XXXX has violated my right. 

15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C Section 602 A Section 2 also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-08 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: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the XXXX XXXX CT NY XXXX has violated my right. 

15 U.S.C 1681 Section 602 A States I have the right to privacy. 

15 U.S.C Section 602 A Section 2 also states a consumer reporting agency can not furnish an 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 2022-04-08 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: VA

Complaint narrative:
My credit report as of XX/XX/2022 is still showing XXXX XXXX XXXX when company cease, agreed to stop reporting that account in the case with CFPB

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 2022-04-08 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:
Equifax was notified via mail regarding a collection account listed on my credit report. The letter was challenging the accuracy of the alleged collection account from " XXXX XXXX XXXX ''. I received a response that the collection account was accurate and my credit report was updated. 

Several times I have sent a letter to XXXX XXXX XXXX separately requesting proof of the alleged debt. Which includes a contract or signed copy of my signature to prove the accuracy of the alleged debt. 

I would always receive a letter from XXXX XXXX XXXX that I need to submit a written statement to dispute the debt. Never received any documents proving the debt. 

With that being said, If XXXX XXXX XXXX can't send me proof that I owe the debt, then how is Equifax able to prove the accuracy of the alleged debt? and what are you updating Equifax? 

If Equifax can not provide me proof that I owe the debt from XXXX XXXX XXXX, which should. be a copy of what they verified since Equifax is repeatedly sending me a notification that the alleged debt is accurate. The collection account needs to be removed from my credit report. 

Please accept this as my Official Writ Composition Notification in the lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: KY

Complaint narrative:
I call XXXX about incorrect information on my credit report belonging to someone else. The representative viewed their data system and could not locate me and agreed to contact the credit bureaus and remove information. This was done in XXXX of 2021 for XXXX and XXXX. Yet the information is still on Experian and various investigations by Experian will not remove the information.

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 2022-04-08 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
i was in a covid XXXX program with XXXX XXXX  that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX XXXX  is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.

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 2022-04-08 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: VA

Complaint narrative:
i was in a covid XXXX program with XXXX Mortgage that appears to be an interest increase trap as well as negatively impacting my credit score. 
according to The Cares Act, this should Not happen. 
XXXX Mortgage is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
i was in a covid XXXX program with XXXX Mortgage that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX Mortgage is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My Synchrony Bank Care Credit account statement closes on the XXXX and is due on the XXXX. My promotional balance is due on the XXXX, so I scheduled payments for the XXXX so that I would not be late on my promotional balance. I got charged late fees for XXXX months, {$37.00} and then {$49.00} even though I had been paying my statement ahead of time. I called and the automated voice mail reversed the first fee and then they sent me a link to fix any other issues. The link did not work, so I called back the second day and after an annoying automated phone system, I was able to speak to a very nice lady XXXX who told me that the reason I was being charged late fees is because I was paying my bill on my statement closing date! I was ahead on my payments but getting charged late fees! That makes no sense. I wonder how many people end up just paying it. I have had issues with this company before, charging me late fees when I had a balance, and they did not apply my balance to my expense.

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 monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to submit a payment on XX/XX/2022 for my American Express credit card ending in XXXX. I received a message that the payment had been submitted and would be processed on XX/XX/2022. However, there was a problem with the system and my payment did not go through as scheduled. I was then charged a late fee of {$29.00} on XX/XX/2022. I requested to have this fee removed and a customer service confirmed that it would be, but the charge is still on my account. I would like to request that this {$29.00} fee be removed along with any interest charges as they payment should have gone through on XX/XX/XXXX, XXXX as was originally scheduled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I obtained membership at BJs and signed up for the Comenity BJ Perk Mastercard. I did not agree to the automatic renewal of membership. I was charged the fee for renewal. When I saw the bill it was {$120.00} due to late fees. It took months to get the charge cleared from the bill. I was recently denied an XXXX card as they report due to a credit score of XXXX on XXXX. I noted that XXXX reported overdue payments on charges that were not authorized which were eventually removed from the card. The credit report on XXXX does not reflect the company 's error. I called several customer services numbers and basically received little to no help. The persons in the call center kept repeating the " script '' and told me to launch a dispute by emailing the information to the company that can't be reached. Please help! Thank You XXXX XXXX XXXX Accounts with Adverse Information Account Name Account Number Balance Monthly Payment COMENITYXXXX/BJS XXXX - - - Address XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX ; {$55.00} from XX/XX/XXXX to XX/XX/XXXX ; {$86.00} from XX/XX/XXXX to XX/XX/XXXX ; {$120.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$750.00} from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I received a Vanilla Visa Gift card for XXXX. I tried to use the card in XX/XX/2022 for an online purchase and it was declined. I checked the balance online and the original balance of {$300.00} was still on the card. Tried to use it XX/XX/2022 for an instore purchase and it was declined. The balance was only XXXX. When I logged into the site online to review purchases, neither purchase was mine. The purchases were {$60.00} for XXXX XXXX XXXX bill and {$230.00} to XXXX XXXX XXXX. 

I have called the company and was on never ending hold. No one ever came to the phone due to " long wait times. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-04-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report as of XX/XX/2022 is still showing XXXX XXXX XXXX when company cease, agreed to stop reporting that account in the case with CFPB

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 2022-04-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report as of XX/XX/2022 is still showing XXXX XXXX XXXX when company cease, agreed to stop reporting that account in the case with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Almost 2 months later and I havent seen my credit disputes addressed by XXXX, Trans Union and XXXX. This is a violation of thier timelines and is putting me and my family in financial distress.

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 2022-04-08 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:
Almost 2 months later and I havent seen my credit disputes addressed by Experian, XXXX XXXX and XXXX. This is a violation of thier timelines and is putting me and my family in financial distress.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Its been over 3 years since LVNV is harassing me about {$750.00} that was a result of identity theft, it is erased from all bureau but XXXX, this company needs to be investigated in affiliation to XXXX as many people are victimized by LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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:
I sent a dispute letter twice to Experian regarding a collection account listed on my credit report. The letter was challenging the accuracy of the alleged collection account from " XXXX XXXX XXXX ''. Both times I received a response that the collection account was accurate and my credit report was updated. 

Several times I have sent a letter to XXXX XXXX XXXX separately requesting proof of the alleged debt. Which includes a contract or signed copy of my signature to prove the accuracy of the alleged debt. 

I would always receive a letter from XXXX XXXX XXXX that I need to submit a written statement to dispute the debt. Never received any documents proving the debt. 

With that being said, If XXXX XXXX XXXX can't send me proof that I owe the debt, then how is Experian able to prove the accuracy of the alleged debt? and what are you updating Experian? 

If Experian can not provide me proof that I owe the debt from XXXX XXXX XXXX, which should. be a copy of what they verified since Experian is repeatedly sending me a notification that the alleged debt is accurate. The collection account needs to be removed from my credit report. 

Please accept this as my Official Writ Composition Notification in the lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX : Bill pay arranged from XXXX  XXXX to Fifth Third Bank for XXXX mortgage payment. 
XX/XX/XXXX : Letter from Fifth Third Bank informing no payment received for XXXX. Late charges of {$95.00} placed on account. ( I was out of town from XXXX XXXX ) XX/XX/XXXX : Email from Fifth Third Bank. They requested payment for XXXX mortgage. 
XX/XX/XXXX : Called Fifth Third Bank a d provided routing and my account number for XXXX XXXX. A second XXXX mortgage payment including the late payment of {$95.00} was given to prevent personal credit damage. And later visited Fifth Third Bank branch in XXXX, FL and spoke with XXXX XXXX who requested verification of XXXX XXXX withdraw of funds and copy of check to Fifth Third Bank. 
XX/XX/XXXX : Received email from XXXX XXXX denying any error happened regarding payment. They attached copy of check sent to Fifth Third. 
XX/XX/XXXX : Received call from XXXX XXXX verifying second payment. 
XXXX XXXX XXXX : Multiple phone conversations with both banks attempting to find missing XX/XX/XXXX payment of XXXX. Spent more than 5 hours between calls to banks. 
XX/XX/XXXX : Visited XXXX XXXX at Fifth Third Bank. He called main office and they said more information is needed as the check attachment sent by me from XXXX XXXX was inadequate. Called to get further help from banks and customer service reps were incapable of correcting this issue. Last call today with XXXX who conferred with her supervisor XXXX in order to research lost payment.

Company response to consumer: Closed with non-monetary relief