vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all XXXX bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX I completely canceled my paid experian membership. I then signed up for a experian family plan which includes 7 days free and thereafter XXXX a month. 

Experian is refusing to honor their advertising. On XX/XX/XXXX I was charged XXXX on my XXXX card vs my agreeing to pay XXXX on or after the 7 day trial period. 

I spent close to XXXX minutes trying to resolve the situation with a agent uneducated in his own products. 

This individual insisted that I was charged additional money due to a privacy scan wrong. 

Privacy scan is included inside the EXPERIAN PREMIUM WORKS FAMILY PLAN FOR XXXX A MONTH

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I became aware of an issue related to my account with XXXX XXXX XXXX. Specifically, they have reported negative information on my credit report without providing the mandatory written notice, as required by the Fair Credit Reporting Act ( FCRA ), section 15 U.S.C. 1681s-2 7 ( A ) ( i ). 

The account in question with XXXX XXXX XXXX was opened on XX/XX/XXXX, and it has a reported balance of {$4600.00}. Despite my efforts to rectify this situation, including sending a certified letter on XX/XX/XXXX, requesting that XXXX XXXX XXXX update the late payments on my credit report to " XXXX : PAID AS AGREED NEVER LATE '' and delete any other negative information, I have not received a response from the company. This lack of response and failure to correct the inaccuracies have adversely impacted my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is a very anomalous and bizarre situation going on with my credit score. I have credit scores from XXXX and XXXX, but nor TransUnion. I do not how that is possible, considering they all use the same information. This situation affects credit reporting with other agencies and it has a damaging effect on my credit.

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 2023-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have been made aware that XXXX XXXX XXXX XXXX  still has a closed account listed on my credit report, and also have listed the same account with a credit report. It is a violation of my rights to have duplicate accounts on my credit report. 
The credit agency is LVNV and the amount listed is {$600.00}. 
They are also in violation for reporting inaccurate dates ; they are saying this was opened XX/XX/2022 and that is a blatant lie, it is much older and nearing the statute of limitations in my state. They are also listing this account as having an open balance which is a violation in itself as there can not be an account in collections with an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting 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: NE

Complaint narrative:
I wrote a letter to Transunion and XXXX having it notorized and sent certified on XX/XX/2023. I have been monitoring my credit alerts and scores and mail and have NOT received any response from neither the creditors nor Transunion XXXX. One of the biggest discrepancies show XXXXXXXX XXXX showing 2 different accounts with a third showing the XXXX separate accounts combined and that I supposedly owe money owing there as well, so basically XXXXXXXX XXXX  is charging me 3 times very inconsistent and incorrect. I disputed everything on my credit report bc that discrepancy being to great as it is is too big of a mistake and therefore makes and made me question the validity of the entire credit report. Ultimately I got no answer on any of it. Please help I do and will be sending copies of the written letter which is legible as well. I want these items all removed as a timely response of XXXX calendar days was not met on the end of creditor nor on the end of Transunion XXXX 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
-In XXXX an Outpatient procedure was performed. This procedure resulted in having to be resuscitated, 5 days XXXX  and XXXX XXXX XXXX 
-in XXXX received a Civil Order at my mother 's home ( XXXX miles from procedure ) for $ XXXXThis Civil judgement was paid to my mother 's county for this XXXX XXXX. 
XXXX days after this payment was made & I returned to work an Income execution was sent to my employer, from the original county of procedure for {$1600.00}. ( for XXXX XXXX ) -In 15` my XXXX XXXX XXXXXXXX Acct XXXX was seized for {$3500.00}. ( for XXXX XXXX ) At this time I contacted my XXXX dept. and was informed this Attorney office was in violation of procedure due to the Retirement Acct. monies were exempt from XXXX to satisfy judgement. No response was given from firm. XXXX sent this firm the monies they requested and released the remaining funds to me. 
XXXX XXXX of XXXX my mother passed away. XXXX my mother received an Informational Subpoena regarding information regarding me ( The Debtor ) for {$2200.00} for XXXX XXXX. 
-It took me almost 2 weeks to get a hold of this Attorney, who stated that this amount is still owed due to taxes, fees and interest from XXXX, that remain unpaid for XXXX XXXX. 
- Attorney asked why my mother had not returned the forms. I informed the attorney that my mother was deceased. He stated, " sorry for your loss, though I do have XXXX XXXX. to come after you for this debt, XXXX more years to go, chuckles '' hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
Warranty Cancellation which resulted in a refund of {$2400.00}. I have yet to receive payment, and have not been given any reason except for that they sent it to the wrong address. 
Reissued check again XX/XX/2023 again being told it went to wrong address. 
Terrible customer service.

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 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit account listed on my credit file was opened without my consent. The account reported by XXXX XXXX has been reporting over 7years and had been sold to serveral collection agencies who are continuously reporting current dates, back dating this anccount and keeping the account re surfacing. I am not responsible for this account and this account should be deleted blocked/ not reported again to my Experian credit file. Legal action will be taken for this continued reported charged off account. Any account and inquiries associated with XXXX XXXX should be deleted 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Some one applied for a credit card in my name for XXXX XXXX  and capital one in the past month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: OH

Complaint narrative:
This account has reported late when it has never been late and it is affecting my credit score. This score needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. 
This is the account. 

XXXX XXXX XXXX XXXX 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This account has reported late when it has never been late and it is affecting my credit score. This score needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. 
This is the account. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This credit card information is incorrect. It was not made by me Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud. 

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I enrolled in the My Chase Loan program on XX/XX/2023. This program allows you to select specific transactions, typically larger ones, and make equal fixed payments over a chosen term without accruing interest. Instead, it involves a set monthly payment. Here are the details of one of my transactions : I had a balance of {$1900.00} to pay over 18 months at a fixed amount of {$100.00} with a 0 % APR. 

During the enrollment process, they explained that I would only need to make this fixed payment for transactions included in the program, which they refer to as the " XXXX XXXX XXXX. '' However, they did not provide clear information on what would happen if I decided to pay more than the amount required to cover interest. 

This lack of clarity caused confusion because I believed that by making the fixed monthly payment, any excess would automatically be applied towards the portion of my bill not covered by the program. 

After making a {$1300.00} payment and seeing that the " My Chase Loan '' payment was listed as XXXX, I assumed the excess payment would be applied to the " Interest Saving Balance, '' which is meant to prevent interest accrual. 

However, it appears that they allocated most of my payment to the " My Chase Loan '' balance, even though the required payment for the program was also XXXX, as explained earlier. 

As a result, my statement now shows a " My Chase XXXX '' balance of {$1100.00}, while my " XXXX XXXX XXXX '' stands at {$1300.00}. This is quite different from what I expected, as I believed the " My Chase Loan '' balance would have been {$1900.00} ( with the first payment due after the XX/XX/2023 statement ) and the XXXX XXXX XXXX would have been approximately {$530.00}. 

Additionally, they only clarified after the payment was completed and I had to call them that any amount paid above the fixed payment and the " XXXX XXXX XXXX '' would be applied to the entire outstanding balance. However, they did not provide specific details on how this payment distribution would work between both program components. 

It's concerning that, in practice, they reduced the amount covered by the 0 % APR and left the remaining balance accruing interest at a rate of 20.24 % APR. This practice appears to be deceptive and abusive, which goes against the principles of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). 

While they mentioned that these terms were outlined in the service agreement, they were unable to specify where. They simply encouraged me to review the terms. This lack of transparency and clarity in the program 's operation is a cause for concern and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief