vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: OH

Complaint narrative:
this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : -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 {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion decreased my credit score XXXX points. When checking to see what has changed my XXXX XXXX went up {$2.00} dollars. Documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: FL

Complaint narrative:
representative calling me from an XXXX, stating she's a manager/supervisor attempting to collect a {$500.00} debt from XX/XX/2018 from a personal loan, and she could not name the company from whom is trying to collect the debt, but states she is trying to collect now {$2200.00} total. I do not have any outstanding personal loan debts from 2018. 
Representative had my SS # and DOB, which concerns me. As I continued to try and get more information, she hung up the phone and we were disconnected. As of today, I will be putting a freeze on my credit to avoid any further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: MO

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has violated my rights. 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. 15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under SECTION 1637 ( B ) ( 10 ) OF THIS TITLE a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under SECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor

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 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: OH

Complaint narrative:
this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : -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 XXXXXXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I the 3 past month, Im loss my job, In XXXX im begining working again but the XXXX XXXX XXXX in XXXX Tx Phone XXXX Are calling several times to my work in my hours working and perturbe my mind with intente to collect the past due payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit score dropped when I paid off the balance of my credit card IN FULL BEFORE THE DUE DATE and my credit score dropped. I disputed it and told Experian I had a problem with Experian, not XXXX XXXX in my dispute report. Selecting XXXX XXXX for the online report was the only was I could create a dispute. On the same date ( XX/XX/XXXX ) that my dispute was resolved and updated, Experian raised my credit score. 

The very next month, I paid off my credit cards in full before the due dates and the same thing happened. I tried to start a dispute online and the website would not let me. I got a message that said I could not dispute the same issue. I called Experian customer service and told them the issue and the person on the phone said I could not dispute Experian. When I said I did the month before, he said it wasn't true. I asked why my credit score dropped about XXXX points and he said " I can't give you credit advice. '' I didn't ask for credit advice. 

Paying off credit card balances in full every month before the due date should increase my scores and FICO, not decrease it two months in a row by about XXXX points. My credit utilization has remained well below 20 % for several months. Decreasing my score has increased my car insurance renewal price and will cause higher interest rates if I need a loan. I am also concerned that I will have irreparable damage to 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am seeking your assistance in addressing an ongoing matter. Despite my attempts to address the issue privately with Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is evident that their conduct and actions may be characterized as morally questionable and indicative of acting in bad faith. 

To provide context, I entered into a credit agreement on XX/XX/2023, and have engaged in multiple discussions with various representatives regarding both a billing discrepancy and the absence of comprehensive disclosures. My prompt outreach to the company was driven by a genuine intention to rectify the situation. 

Over the course of this period, I have issued more than six notices and initiated numerous phone calls in pursuit of resolving this aforementioned discrepancy. Regrettably, the company in question has failed to offer any meaningful assistance, consistently disseminating inaccurate information concerning the status of the account. 

On XX/XX/2023, I communicated with XXXX XXXX, acting as the CEO of XXXX XXXX XXXX XXXX XXXX ( trustee ), in an effort to facilitate the updating of records. Unfortunately, my plea was met with silence. 

Recently, I received a credit alert notifying me that the account has been charged off. The deliberate nature of this action suggests a deliberate intent to cause harm and represents a breach of trust. 

My determination to pursue rightful redress is unwavering, as this situation fundamentally pertains to trust. I implore your expeditious intervention in assisting me with the resolution of this pressing matter. Your prompt attention to this issue is earnestly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo charge my account from XXXX XXXX XXXX, I paid my insurance through a different banking, and now Wells Fargo are delaying my fundings a close account, that I never close and kept my {$280.00}. I asked claim department to give me a pacific time when the funds will be available. Its been almost 2 weeks no results.

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 2023-08-21 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: NC

Complaint narrative:
I asked the credit bureaus to do a thorough research of my credit reports due to me being a victim of trafficking and they did and stated that everything was accurate and said that they don't believe I sent the letter in myself and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

In accordance with the Fair Credit Reporting Act 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 XXXX has violated my rights. 

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

605C of the Fair Credit Reporting Act.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: NC

Complaint narrative:
I asked the credit bureaus to do a thorough research of my credit reports due to me being a victim of trafficking and they did and stated that everything was accurate and said that they don't believe I sent the letter in myself and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

In accordance with the Fair Credit Reporting Act 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 XXXX has violated my rights.

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

605C of the Fair Credit Reporting Act.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Statebridge Company
State: FL

Complaint narrative:
Due to financial setbacks following the recession, we worked with the bank to modify our mortgage in XXXX. It was our understanding that both the first and second mortgages were included as part of the modification, as both notes were held by the same bank. Since then, every payment has been made in full and on time. 

We've received no communication, written or otherwise, suggesting there was an unpaid debt owed. In XXXX we started receiving statements from Statebridge with no explanation as to where this debt originated. We assumed it was some kind of a scam. In XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX as Trustee For XXXX XXXX filed for foreclosure on behalf of Statebridge. 

In addition to the XXXX in legal fees that we've paid for our defense, XXXX/Statebridge legal fees have more than doubled the original debt collection. A Motion to XXXX XXXX on our behalf is scheduled for XX/XX/XXXX, and a Trial is scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
When I opened American Express Blue Cash Preferred Card I was told there was a {$250.00} bonus if I meet the requirement. But one month later, when I contacted American Express, I was told that I was not eligible for the {$250.00} bonus offer. I feel like being cheated by American Express. Plus there will be an annual fee of {$95.00} for this card from the second year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Did not authorize on my 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
{$490.00} was taken out of my account on XXXX I didn't notice until XXXX which I filed a claim to chime support they said that would look into and they investigation would take 45 days my claim was denied this is my 7th rebuttal chime investigation team said I would I have documentation on XXXX now they saying I would receive it by XX/XX/2023 now they saying I would receive a decision by XX/XX/XXXX I have all the emails stating they would handle this matter but miserably failed to time after time nothing getting resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-21 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: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX inquiry date-XXXX  XXXX XXXX XXXX XXXX inquiry date-XXXX XXXX XXXX XXXX  XXXX inquiry date-XXXX These inquiries are being inaccurately reported on my Equifax report please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation