vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus have ignored my attempts to have this negative account deleted from my credit report. XXXX Bank has written off the debt and sold the three accounts to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureaus has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of charge off/1099c form for charged off debt, they did not, they sold thirds debts long ago and they are still attempting to collect on it. They debts are also reporting different across the three credit bureaus. Consequently, please have them delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information listed such as addresses, phone number, accounts, and social security number.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect information listed such as addresses, phone number, accounts, and social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I opened a new XXXX XXXX XXXX American Express credit card on XX/XX/XXXX. The credit card Account is ending in XXXX. XXXX offered a 0 % introductory APR on my initial purchase of a XXXX XXXX XXXX package that was made on XX/XX/XXXX. The 0 % APR offer expires in XXXX, XXXX. On XX/XX/XXXX, I was billed the annual fee for the new card of {$250.00}. I was fully aware of this fee. This was not a purchase, but a fee for using the card. 

Since the fee was billed after the promotional purchase, I am being billed a monthly interest charge on the {$250.00} annual fee. This interest charge was not disclosed by XXXX or by American Express at the time the application was submitted. The only way to avoid paying interest on the annual fee is to pay off the initial purchase of the vacation package. In essence, this completely nullifies the 0 % interest offer. This is misleading by American Express and XXXX. 

I feel that this monthly interest charge is fraudulent and that American Express should credit my account for all interest charges related to the annual fee. 

On my billing statement, American Express is calling the charge " XXXX XXXX on XXXX ''. My complaint is that the fee is NOT a purchase, but a fee that they impose on card users. Therefore, I should not be charged interest every month, until the initial purchase is paid off. My initial payment was for {$260.00} on XX/XX/XXXX which does cover the annual fee. 

I have been charged {$12.00} in interest since XXXX, XXXX. 

I have contacted American Express ( XXXX ) on XX/XX/XXXX and spoke with XXXX. He opened a case # XXXX. I did not hear back from them. I called them again on XX/XX/XXXX and spoke with XXXX. She told me that the case is closed and we have to pay the interest. Those are the rules. I asked to speak to a supervisor, but the supervisor was " busy ''. XXXX finally issued me credit for 1 month ( {$3.00} ), but was not clear on whether all interest charges would be waived. 

My issue is that I should not be charged interest on the annual fee, since it is not a purchase. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus have ignored my attempts to have this negative account deleted from my credit report. XXXX Bank has written off the debt and sold the three accounts to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureaus has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of charge off/1099c form for charged off debt, they did not, they sold thirds debts long ago and they are still attempting to collect on it. They debts are also reporting different across the three credit bureaus. Consequently, please have them delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschenbaum & Phillips P.C
State: NJ

Complaint narrative:
On XXXX I got a letter from this company stating i owe more then I owed so I called my representative at the company XXXX XXXX and she was very unprofessional, rued, XXXX, aggressive towards me, bullying me and Threatening me by saying if I didn't pay what she wanted me to pay the company was going to take me to court. I tried to tell her I was out of work and I was receiving XXXX checks and what I could afford. I went to the court house the very next day and the clerk stated nothing in the system and I have to wait on the XXXX to file the paperwork. On XXXX I received another letter stating less then before {$5800.00}. I called XXXX XXXX at XXXX on the XXXX and requested a breakdown letter and she was XXXX XXXX bullying me and threatening me by saying the company has lawerys and they will file a case against me. I explained to her I know I owe and I just want the breakdown. I told her if the numbers match up with my numbers I will set up a payment plan. XXXX refuse to listen to me, she then stated when you get the breakdown call and I will tell you what u have to pay. I reminded her the last time we spoke nothing got accomplish because of your professionalism, you can't tell me how much I could afford. I called back at XXXX and spoke with XXXX XXXX XXXX representative, I told her everything that took place dated back XXXX, as I was telling her she must of been texting Iashia XXXX her private line XXXX XXXX me to hold on XXXX XXXX calling, she came back to the line and said all of the representative are signed clients and that's your representative. I said it's my right to ask for other representative cause XXXX is not handling my case properly. XXXX put me on hold again, came back to the line and stated the same statement, I then asked what's the XXXX name, email and number. she said he going to tell you the samething, I said what's his name she finally told me and said he will be back in office Monday. I asked again for email she gave me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My PayPal account was hacked. I contacted PayPal immediately. Their online dispute tool said no fraud occurred. I had to call them to dispute. I filed a fraud dispute over the phone. They said I should hear something in 21 days. It has been over 21 days and I have not been updated by PayPal nor have they recovered my money even though I called them within minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I had financed a XXXX XXXX XXXX through Credit Acceptance. I was involved in an accident last year XXXX of XXXX the car was paid off due to me having Gap insurance and left a balance of {$230.00}. I checked my credit and Credit Acceptance has still been reporting miss payments for 9 months. I called Credit Acceptance on XX/XX/XXXX to get this corrected and the rep told me that he had to report it as missed payments because it has a balance. My credit report is showing a balance XXXX rep stated I only have a balance for {$230.00}. This is false reporting and it has really affected my credit score due to them falsifying my balance and reporting it late when the account is closed.

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 2023-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I filed bankruptcy in 2005 and Navy Federal CU was one one of the creditors at that time. Since then nearly 20 years later after a discharge of my debts and my credit has been repaired, Navy Federal CU has used unfair credit and loan practices against me operating as a scorn spouse. I have repaired my credit and have request credit from the credit union which I still have an open accounts there, and they have marked my account for terminal rejection citing " THERE IS LOSS ASSOCIATED WITH YOUR NAVY FEDERAL ACCOUNT ( S ). I find that the credit union is practicing discriminatory and unethical lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
Victim of ientity theft.Bank account was opened with my name and information without prior Knowlege

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RS Clark and Associates, Inc.
State: OK

Complaint narrative:
15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts

Company response to consumer: Closed with explanation