vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: MI

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Re : Complaint XXXX you sent me an email saying the company had responded and are still working on it. i can not see the company response as it is not posted where i signed in. what are they investigating, three ( 3 ) unauthorized billings. I want the account closed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
On XX/XX/2022 - a merchant fraudulently charged {$100.00} to my American Express card. I disputed this transaction as fraudulent. On XX/XX/2022, American Express send me written correspondence saying that I am responsible for the charge based upon the documentation that was attached, yet the documentation attached was a non-descript electronic receipt, reflecting a transaction on a card with a different number, without stating what the goods are for, who ordered them, and where they were sent. Further, this does not change the fact that I DID NOT order ANYTHING from this merchant, DID NOT receive ANYTHING from this merchant, and DO NOT have any idea what this charge is for! Instead of performing its duty under the Fair Credit Billing Act, American Express tells me that I should resolve it with the merchant myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
On XX/XX/2022, I requested to have several accounts investigated due to inaccuracies on my consumer report. As of XX/XX/2022, Experian, XXXX and XXXX have not completed the investigation or if they have they have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

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 2022-09-22 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: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I believe I was a victim of the issue that the FTC is currently trying to take care of now with Credit Karma. I was solicited a pre-approval on a credit card but was ultimately turned down. This brought my score down because of the hard inquiry it does. I have been working very hard to improve my score and this did not help matters any.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: WI

Complaint narrative:
Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called XXXX XXXX to fix that. They continue to not repair. I have notified trans union and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called GM financial to fix that. They continue to not repair. I have notified XXXX XXXX and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXXXXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
I noticed an account on my credit report that I do not recognize

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 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
In XXXX I requested to have the PMI removed b/c my home value met the 78 % loan-to-value threshold. In XXXX they cashed the XXXX checks and have ignored me since then. I called the fourth time again and was told that an appraiser will reach out to me in 10 days and that was in XXXX. My loan-to-value has been well below 78 % since XXXX, and I can provide comps to prove that, I am seeking retroactive credit for MI since XXXX when I made the initial request. The servicer is ignoring me and has taken my money, and I am now in need of your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXX XXXX XX/XX/2022

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 2022-09-22 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: PA

Complaint narrative:
On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXXXXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I requested to have several accounts investigated due to inaccuracies on my consumer report. As of XX/XX/2022, XXXX, Equifax and XXXX have not completed the investigation or if they have they have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: VA

Complaint narrative:
I purchased my home just over two years ago. I recently requested an appraisal to have my Private Mortgage Insurance ( PMI ) removed. ServiceMac LLC ( the servicer ) who is owned by XXXX XXXX recently sent an unlicensed and uncertified appraiser out who was a XXXX XXXX XXXX named XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, VA XXXX. XXXX XXXX conducted the Broker Price Opinion ( BPO ) but by his own admittance was not familiar with my area and therefore couldn't provide a true estimate. His appraisal was conducted using a sale price divided by above grade living space with no accounting of bedrooms and living space below grade. His " appraisal '' was not an accurate accounting of my home 's value. The servicer even confirmed that a sale price divided by above grade method is not accurate when I used that same method to give them additional comps that increase my home value. As a result, they denied my appeal when I sent the additional comps. An accurate appraisal conducted by a licensed and certified appraiser has not been conducted up to this point. I requested an appraiser be sent out to conduct an accurate appraisal with no response. This e-mail went to board members of XXXX XXXX and customer service specialists of the servicer. At this point, I am contemplating taking the servicer to court for violating 12 United States Code 4902. 

Please contact me so we can get this resolved without the need to take anyone to court. 
Thank you.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 

XXXXXXXX XXXX  XXXX {$570.00} XXXXXXXX XXXX {$5700.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
I noticed an account on my credit report that I do not recognize

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed an account on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
I have created a complaint, sent out letters, supplied my proof and still received notification from the company that the information was verified by XXXX XXXX. I have attached a copy of my confirmation from XXXX XXXX that they are NOT to share my information dated in XXXX but Equifax has a letter dated XX/XX/XXXX that was their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I sent money through Zelle on XX/XX/XXXX in the amounts of XXXX and XXXX. They said it would be refunded back to me and it has not. I have already contacted my bank. I have all the correspondence stating they would refund it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: NY

Complaint narrative:
I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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:
I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX I called them to discuss some late charges- there had been a system outage when I tried to pay my bill and u couldn't access the website portal to pay. They have excessive late fees, that are as much as the outstanding balance. I hadn't used my card in months but had a {$80.00} balance due to multiple late fees ( at least {$57.00} of that was late fees ). During the call they agreed to remove one late fee and I paid the remaining balance ( {$50.00} ). I was told this brought my balance to zero and even called back to confirm because the call got disconnected during the original transaction ( this dropped call issue has happened multiple times as well ). 

Today ( XX/XX/XXXX ) I got an email from them about my current statement, and when I checked it my balance was back up to {$45.00}. I didn't see how that was possible because I haven't used my card since XXXX and again I paid my balance in full on XXXX. Looking at my statement it shows there was still a XXXX balance after I made that payment on XXXX ( there should not have been because I paid the full amount they told me- {$50.00} ). I believe this means they never removed the late fee in addition to the {$50.00}, even though they said they did, which left me with an unpaid balance that then accrued more late fees, unbeknownst to me. I believe they are predatory in the way they charge late fees and make it confusing to simply pay your bill in order to avoid these late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I had set up a transfer for {$300.00} to buy concert tickets through XXXX. Immediately after sending I attempted to cancel the payment. It says it has been delivered and not completed. I did not receive a message stating the recipient has received the money. I was falsely told they would send the tickets after payment. They scammed me and I have no way of contacting them. I tried disputing with my bank but was told since it was an authorized payment theres nothing they can do.

Company response to consumer: Closed with explanation