vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: LEXISNEXIS
State: NC

Complaint narrative:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX  | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: CBC Companies, Inc.
State: NC

Complaint narrative:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax I am complaining to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor names : 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 Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiries from my credit file immediately. 


These negative items does not meet the FCRA reporting requirements. I do not recognize how and why it is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
My XXXX XXXX  credit card was put into collections and the balance was {$1500.00} or so. I was dealing with XXXX XXXX XXXX XXXX and setup a payment plan with them to automatically deduct {$100.00} from my bank account. I paid 9 consecutive payments totaling {$900.00}. 

Then my account was transferred without my knowledge to Unifund. They sent me a letter saying that they were now handling my account. I was unaware that I was dealing with Unifund or that I even had to lookout for a letter from them because I was working with XXXX XXXX and that this debt would soon be resolved. 

Here are my issues : I did not authorize XXXX XXXX XXXX XXXX to transfer my account to Unifund and that my agreement to satisfy my debt was with XXXX  not Unifund. 

I find it very convenient and not a coincidence that {$900.00} was collected from a {$1500.00} balance and as soon as I was close to paying my debt my account is transferred to another collection account. I feel that Unifund and XXXX are practicing predatory lending and unethical business practices creating a never ending loop where I will never be able to resolve this issue. They are taking advantage of me and passing my account around making it extremely difficult to settle the debt. 

I owed XXXX XXXX XXXX XXXX {$1500.00} and after collecting {$900.00}, Unifund is now saying I still owe {$1500.00}. Where did the money go? Again, a never ending loop where I can't resolve this issue and continue to worry that my credit rating will always be negatively effected. 

I want to resolve this issue and want XXXX, Global, and any other future collection agency to cease and desist in pursuing collections. I have done everything in my power to try and make good on this collection and I do not want to waste any more of my time or have my credit rating negatively effected by this issue now or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried checking my credit score because I've haven't used my credit for over 8 years and I wanted to see where I stand. When I obtained my credit reports from two credit reporting agencies I noticed that the addresses, phone numbers and date of birth was wrong and the work places. The third report said it couldn't give me no info because the person was deceased. That's when i knew the credit reporting agencies didn't have the accurate information on my consumer report making me continuously get denials from borrowers.

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 2023-09-14 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: NC

Complaint narrative:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: NC

Complaint narrative:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00XXXX XXXX | XXXX - {$0.00} 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 XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: FactorTrust, Inc.
State: NC

Complaint narrative:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX XXXX  XX/XX/XXXX ; XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person

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 2023-09-14 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NC

Complaint narrative:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: Experian Information Solutions 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 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 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I realized I was being charged over 700 % APR and according to the state of Florida usury laws, any loan over 25 % interest is unlawful and considered criminal. This company is a scam and is hounding to be relayed with that interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA has been consistently reporting higher credit card balances to credit reporting agencies than it is showing/making available for payment... 

I've emailed full evidence of this to the CEO, and his execs have been contacting me periodically over the last month or so looking at the issue, but denying they're misreporting... Despite the clear and present evidence I have given them proving it... 

The net impact has been somewhat lower credit scores because I generally keep my balances low by paying them down at least twice per month... But during months when I make very large purchases ( antiques, rare coins, and other collectibles ) near the credit card balance reporting date for my account, this would have very large impact on my credit score... Therein it really only impacts those who actively manage their credit card balances to keep them low... 

The problem looks like it's being caused by their system allowing pending transactions to clear ( but not post to the visible/payable balance ) during business days, instead of at night for the next business day... The fix would be to recode their system to finalize pending charges after XXXX  so the balances match...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried checking my credit score because I've haven't used my credit for over 8 years and I wanted to see where I stand. When I obtained my credit reports from two credit reporting agencies I noticed that the addresses, phone numbers and date of birth was wrong and the work places. The third report said it couldn't give me no info because the person was deceased. That's when i knew the credit reporting agencies didn't have the accurate information on my consumer report making me continuously get denials from borrowers.

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 2023-09-14 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: CA

Complaint narrative:
I tried checking my credit score because I've haven't used my credit for over 8 years and I wanted to see where I stand. When I obtained my credit reports from two credit reporting agencies I noticed that the addresses, phone numbers and date of birth was wrong and the work places. The third report said it couldn't give me no info because the person was deceased. That's when i knew the credit reporting agencies didn't have the accurate information on my consumer report making me continuously get denials from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I currently have a Chase checking account. From XX/XX/2023 till today XX/XX/2023, the institute that I bank with, Chase has been charging me overdraft fees. Chase has charged me a total of {$270.00} from the dates above. On XX/XX/2023, I called Chase to try and resolve this issue. I spoke with a representative by the name of XXXX. Per my request, I also spoke to a supervisor. Both informed me that Chase takes breaks during the holidays, therefore deposits may take a little longer. I have auto pay on all of my bills, I received a deposit to cover all my bills charges On XX/XX/2023. Chase 5 days to clear check deposited, while also charging overdraft fees. I have also written a letter to Chase requesting ways of us being able to resolve this issue. I'm tiring my best to keep up with the account but with all the overdraft fees, its becoming a little harder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: AZ

Complaint narrative:
Ive been trying to log into my app and the actual website for weeks with no luck. Ive emailed the company 7 times with no response on the companys end trying to discuss my loan and my options for paying it off. No one has contacted me or reached out. This is extremely stressful given my current situation and super unprofessional not to answer someones messages when they are talking about XXXX dollars here. I feel its unfair to be giving money to a company that refuses to answer and put theyre customers first. I would look at the loan agreement to see my options but I CANT LOG INTO THE APP OR THE WEBSITE. I go to put in my user and password and hit log in and it doesnt work. Does not take me to a new page nothing. All responses to emails are automated so I havent spoken to a real person in weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Holds from car rental companies totaling XXXX have not been returned to my available balance. XXXX hold from XXXX XXXX  has been sitting, since on my available balance since XX/XX/XXXX. This company is usually reliable, but something has dramatically changed.

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 2023-09-14 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Ive had an account with Chase bank in the form of a Chase Freedom Flex credit card. On XX/XX/2023, I got a notification that an application for a new account was approved, even though I never submitted an application or signed up for any new account. I was sent a new Chase Freedom Unlimited card in the mail shortly after and realized this account was negatively impacting my credit score. I called the bank on XX/XX/2023 to close the account and ask how this account was opened without my knowledge. The women on the phone was rude and said I most likely accidentally pressed a button or the like. This is impossible as I would have had to input more information in order to submit a credit card application. She said there was nothing she could do to remove the account from my credit report since they dont open accounts without a customer signing up. I never requested or signed up for this new card and now Im having to go through the process of closing and disputing it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief