vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received a Bill From Barclay for My XXXX XXXX XXXX ( ending in XXXX ) for an annual fee. I never use the card so I called to close it on XX/XX/XXXX. I told them that I wanted to close the card and asked to have the annual fee and any late fees removed and my account closed. They indicated that would happen. 

It apparently did not, because I continue to get emails of past due and now my credit has been ruined from NEAR perfect score!!!!!! I am now getting called by companies to help with my debt issues. BUT I HAVE NO ISSUES WITH DEBT. I HAVE AN ISSUE WITH A CREDIT CARD THAT IS HOLDING ME HOSTAGE AND RUINING MY CREDIT RATING. 

I have called them no less than 4 times including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called all these numbers : XXXX, XXXX, XXXX, and contine to have them say they will deal with it but they don't. When I called on XX/XX/XXXX, I held for a Supervisor for 10 min. They came on the line after 10 or more minutes and said there was not a Supervisor available, but they would call me back that day. They did not. 

I called today and they act like they are just now looking into this ( bcz I am calling ) and my call on XX/XX/XXXX asking for the card to be cancelled. " It will be reviewed '' I said " why does it take almost 2 months to cancel my card and in the mean time ruin my Perfect Credt Score?? '' " What do I have to pay you to make this nonsense stop??? '' I told them I was contacting you to report them! 

Again they say a Supervisor will reach out to me. I asked her today what is the RANSOM I need to pay to be let out of this Credit Card????? I WANT THEM OUT OF MY LIFE AND I WANT THEM TO RESTORE MY EXCELLENT CREDIT!!!!!! NOW!!!!!!! 

I have another Barclay XXXX I constantly use AND PAY OFF EVERY MONTH TO THE TUNE OF SEVERAL THOUSAND DOLLARS! You can tell Barclay that I will be cancelling that one as well because of the way I am being treated after being a customer with them FOR DECADES!!!!!

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RECENTLY I LOOKED AT MY CREDIT REPORT. AND IT BOUGHT TREMENDOUS SADNESS. I HAVE BEEN DOWN AND FEELING SUICIDAL LATELY THIS IS A HARM AND DEFAMATION TOO MY CHARACTER I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT IN ACCORDANCE WITH SECTION 1681 ( e ) b accuracy of report of the United States code ( 15.U.S.C. WHEN A CONSUMER REPORTING SERVICES CREATES A REPORT ON AN INDIVIDUAL THEY ARE REQUIRED TO TAKE A REASONABLE MEASURES TO ENSURE THE DATA IS ACCURATE AND FEASIBLE IN ACCORDANCE WITH SECTION I ( 5A ) of title 15 of the United States codes deals with how false or questionable facts are handled under 15 u.s. code1681a ( 3 ) 3

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX ) XXXX This account is showing incorrect on XXXX, XXXX and Experian . The amounts, date opened, date reported and remarks are all different. this is not consistent, accurate or complete information. This should have been resolved in 2021. With XXXX it is showing paid and closed with a {$0.00} balance. This is a violation. This also shows willful noncompliance with XXXX and Experian.

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 2023-02-13 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: AL

Complaint narrative:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.

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 2023-02-13 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: AL

Complaint narrative:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a inquire from XXXX XXXX XXXX on XX/XX/2022 I did not authorize. 
I have contacted TransUnion on multiple occasion to remove this XXXX XXXX  XXXX COLLECTION ACCOUNT because it is fraud I have contacted TransUnion many times to remove this XXXX COLLECTION ACCOUNT because it is fraud. 
I open a fraud report that is attached to this complaint

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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This debt was not owed. 
This is a landlord tenant dispute and needs to go in front of a judge my security deposit was stolen and Im Owed money for repairs. 
This debt was removed from my husbands credit report because its fraud

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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
The Legal representatives of PORTFILIO RECOVERY ASSOCIATES - account number XXXX, ( i.e., XXXX XXXX XXXX - Attorney Code XXXX - XXXX, et al. ) ; files a XXXX XXXX action suit against me as the claimant, in XXXX XXXX, Alabama - Case # XXXX. The small claims states that their " records indicate that we purchased this XXXX XXXX credit account on XX/XX/2022 when the outstanding balance was {$720.00}. The problem with this false statement is that XXXX XXXX  had already resolved this matter as a matter of Identity theft and fraudulent activity. Therefore, the outstanding balance was then written off as a lost. I verbal and written statement was provided to the fraud department of XXXX XXXX  prior to any statement of collection by PORTIFILIO RECOVERY ASSOCIATES, and that information was then reiterated. In accordance with the Federal Trade Commission says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Yet, PORTIFILIO RECOVERY ASSOCIATES, and their legal representatives still continue to make collection attempts. How do I stop this harassment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Never applied for any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Wyndham Rewards Card ending in XXXX XXXX Stayed at XXXX  XXXX XXXX XXXX XXXX XXXX POINTS. NO CHARGE on checkout receipt. XX/XX/XXXX XXXX from XXXX of {$76.00} from XX/XX/XXXX on Barclay 's XXXX bill. Called Barclays, called hotel as they requested. Spoke with clerk, who confirmed no charges generated from hotel. XX/XX/XXXX Called XXXX, spoke with manager, who confirmed NO {$76.00} charge from hotel, points were used, emailed me copy of XXXX balance bill. Bill and cover letter sent to Barclays. XX/XX/XXXX XXXX dated XX/XX/XXXX from Barclays, NO credit due to " not provided with proof of altered amount or paid for by other means ''. Called Barclays supervisor XXXX, she confirmed that points were used for stay, stated this is not a disputed but a fraudulent charge, would place fraud report, close card, issue another one. New card received in 1 week. XX/XX/XXXX Same fraud charge on XXXX bill. Called XXXX at Barclays, he stated fraud refund was in process for XXXX. XX/XX/XXXX Amount of XXXX Bill, called Barclays, spoke with XXXX and her supervisor. They state dispute was closed, charge is due, no record of fraud report. I have been victimized by fraud and Barclays, was in XXXX NM on XX/XX/XXXX and have proof of points used and no bill from 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 2023-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Apt XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/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 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
NOTICE Regarding Freedom of information Act request due to unauthorized use or unlawful activities or no consent or lawful authority to close account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  AL Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : 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 2023-02-13 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
So ive been fighting a fraud case with American Express for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except American Express. What makes this case more of a headache is that i have 2 Amex cards that were charged with the same amount from the same merchant ( Delta Platinum & Delta gold ). The charges on the platinum was resolved within days of the case being open but the gold card is going on 4 months with no response. Amex has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting amex every week for an update but they have refuse to give me an answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have been working in public service since XX/XX/XXXX, for the same eligible employer. I consolidated my loans in XXXX XXXX  XXXX and they were transferred to Mohela from XXXX. I have submitted employee certifications covering the period of employment from XX/XX/XXXX through XX/XX/XXXX. The certifications have been processed, accepted, and the period of time is considered " qualifying ''. 

HOWEVER, when Mohela updated my payment counts, I am only getting credit for 65 payments when my counts should be over 120. In fact, when XXXX was servicer, they had already certified 85 qualifying payments so this makes no sense. 

I have contacted Mohela numerous times via telephone and chat option. I have spoken to several supervisors. I have been told by three different supervisors that there are errors in my counts, they can't explain them, and that they are sending emails to other departments for an " expedited '' review... however, nothing has changed and nothing has moved. The counts are still at 65. I have been contacting them since XXXX, most recent contact was today. 

I have also submitted two complaints to XXXX, requesting they provide additional information to Mohela ( at one point, Mohela stated they were waiting on XXXX ) and/or that they reevaluate the record and update it. Those two complaints are still under review and as of this morning, I was told via chat when I asked for a timeframe for a response, " there is no timeframe ''.

I do not understand why supervisors at Mohela have recognized there are errors and yet months later ( this was first recognized in XXXX ), nothing has changed, my counts are still at 65, and if these mistakes had been corrected I would be more than eligible for forgiveness at well over 120 payments.

I am incredibly grateful for this opportunity but also, incredibly frustrated that what seems to be a simple/easy " case '' ( same employer, already certified, XXXX ) is taking so long to update/review for errors already identified by three different supervisors.

The amount of my student loans directly impacts my livelihood, ability to obtain a mortgage at this time, and ability to move out of the non-profit world in which I have worked for well over 25 years as a XXXX XXXX XXXX. 

I have attached the most recent certification form submitted and processed by Mohela and the XXXX " count '' as proof that the counts provided by Mohela are simply not accurate! 

Anything you can do to assist would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief