vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Incorrect personal information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
Incorrect personal information 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 explanation
Consumer complaint received 2023-10-12 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: MI

Complaint narrative:
XXXX account # XXXX have 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days

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 2023-10-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX account # XXXX have 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C 1681 section 602 A states, that I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting an agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-12 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: TN

Complaint narrative:
Reporting several accounts, addresses, and hard inquires that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After XXXX disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want XXXX and the original creditor to have. It's XXXX job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.

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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Claim number : XXXX Card ending in : XXXX Account ending in : XXXX I booked a flight on XXXX XXXX XX/XX/2023. XXXX emailed me back within 15 hours of the booking to cancel my flight due to Overbooking. They also processed the refund in full back to the card for me the same day. Since then I never seen any credit back to my bank account. I then made a dispute with Chase on XX/XX/2023 for the reason : - Cancellation a one-time purchase and haven't received a credit as promised Chase gave me temporary credit right away. Eventually, on XX/XX/2023, they reversed the credit because they received the documents from the merchant saying : the merchant already provided the cancellation policy and term and agreement. I already agree to that when I made the purchase for the airlines ticket. HOWEVER, in this case, The merchant is the one who CANCELED the flight due to their fault of overbooking not me cancelling the flight. Also the cancellation is also within 24 hours of the booking. They also told me in the cancellation email that they already processed the refund for me. I sent in the cancellation letter from the merchant to Chase and Chase refused to pursue the case further and help me get the money back. They told me this is because the dispute reason when I originally open the dispute was wrong. They told me I should have open the dispute under : -The merchant never provided the product or service. 

In my opinion, these reasons are very wordy and confusing to the customer. As I understand, the ticket was cancelled by the merchant and they already told me in the email that they already processed the refund. That's why I dispute under not seeing the credit as promised. 

I called Chase dispute many time and they always refused to help. They just being rude and told me that's XXXX XXXX This is discriminating and XXXX. The supervisor name was rude is XXXX, I talked to him on XX/XX/2023 at XXXX XXXX  PT. 

I read the dispute rude and I am 100 % sure the reason and category that I selected are correct according to the support documents I have and submitted. Please help me get the money back. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I received a negative mark on my credit report in XXXX of XXXX, I learned via XXXX ( a credit monitoring app ) that I had a Collections Report on my account. The only information provided was that the debt attempted to be collected is {$530.00} and that the Lender is " XXXX XXXX XXXX. '' At no point did anyone from Amsher Collections or XXXX XXXX reach out to me in regards to this debt prior. I sent a letter via certified mail with receipt on XX/XX/XXXX and have received the receipt back yet no response from Amsher Collections to explain why the charge exists, whether they have the authority or licensing to pursue such actions or any proof of this debt existing with XXXX XXXX. As I have not been a XXXX XXXX customer since XXXX, I am highly concerned about the truth of this debt as well as my credit score and social security number being at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have unfortunately fallen victim to identity theft and have acted immediately by reporting this incident. 

It is of utmost importance to address this matter promptly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: NJ

Complaint narrative:
I am sending this complaint because of this company speedy cash they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened XXXX min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector XXXX as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MA Equifax XXXX XXXX XXXX, XXXX GA, XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT REPORT Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer credit report, there are several fraud accounts listed. As a reference, please see the below accounts : I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company furnish my consumer credit report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX PA XXXX XX/XX/XXXX XXXX XX/XX/XXXX The aforementioned fraudulent/unauthorized accounts are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 



Without XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Incorrect personal information 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 2023-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received an AMEX gift card and I am not able to use it anywhere online or in store. 

These virtual card is declined online ( XXXX, XXXX, XXXX, XXXX XXXX to name a few ) and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX  - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my usable virtual card to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card for a few months. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

Card number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 received an updated credit report on XXXX. Upon reviewing my report I found some negative and inaccurate information on my credit report. I sent multiple letters off on XX/XX/2023 asking for these accounts and my report to be investigated and updated via certified letters and after 90 days they still had not removed or updated the accounts. I then sent out more letters in XXXX, asking for a re-investigation and for inaccurate and unverified accounts to be removed. I don't know if the credit bureaus are working on their jobs, or just blatantly refusing to obey the FCRA, but this is a complete violation of my rights as a consumer. I am by law entitled to a complete and accurate consumer report, and ALL information on my credit report MUST be COMPLETE & ACCURATE. After receiving a new and updated report, I noticed that most of my information is a complete violation of 15 USC 1681 and the credit bureaus have not followed the procedures required by law. I would like this information removed from my credit report immediately. It's clear the investigation took longer than 90 days, or never took place at all. I just want to know how these accounts are verified, updated or accurate if the information is still showing up this way. Please resolve this issue for me. 

Tracking Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 received an updated credit report on XXXX. Upon reviewing my report I found some negative and inaccurate information on my credit report. I sent multiple letters off on XX/XX/2023 asking for these accounts and my report to be investigated and updated via certified letters and after 90 days they still had not removed or updated the accounts. I then sent out more letters in XXXX, asking for a re-investigation and for inaccurate and unverified accounts to be removed. I don't know if the credit bureaus are working on their jobs, or just blatantly refusing to obey the FCRA, but this is a complete violation of my rights as a consumer. I am by law entitled to a complete and accurate consumer report, and ALL information on my credit report MUST be COMPLETE & ACCURATE. After receiving a new and updated report, I noticed that most of my information is a complete violation of 15 USC 1681 and the credit bureaus have not followed the procedures required by law. I would like this information removed from my credit report immediately. It's clear the investigation took longer than 90 days, or never took place at all. I just want to know how these accounts are verified, updated or accurate if the information is still showing up this way. Please resolve this issue for me. 

Tracking Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Experian- 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

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 2023-10-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX  request was sent for a payoff of loan. On the payoff it showed the payoff of {$140000.00} with additional payment of {$530.00} for interest for XXXX. I tried to get Mr. Cooper to explain how the interest was calculated. I was told that I am being charged for the entire month of XXXX then the additional 15 days. so {$350.00} for 30 days and {$170.00} for 15 days this loan is at 3 % interest. I am wanting to know how can I be charged for something that they no longer have if the principal balance is paid how can they charge interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
On XX/XX/2023 around XXXXXXXX XXXX  received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXXXXXX XXXX XXXXXXXX and was unaware of the process server. The debt collector information XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: MI

Complaint narrative:
The primary information being reported are not correct such as the open date, date last activem date of payment history. These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to buy a home for my family. 

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish a account without my written instruction.

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