vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have opened, and AMEX have closed a dispute multiple times regarding a purchase at XXXX XXXX XXXX. Most recently I was asked for a complete timeline of what happened and I provided this but the dispute was then closed again stating that the timeline to make a return had passed. Makes no sense. 

The return period was in XXXX and I attempted to return in XX/XX/year> and you have all the supporting documentation. I was entitled to return the product and refused by the store. This is the perfect scenario for a dispute, but because it is XXXX you do not care and prefer to help XXXX. 
Customer buys something. Customer is entitled to return. Store refuses return in contradiction to their policy and XXXX XXXX law. Customer opens dispute and should receive a dispute. 

Charge XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, 2023 {$300.00} XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Card Member : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/year>XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.

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 2024-05-04 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: GA

Complaint narrative:
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 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
All three credit bureaus and Best Egg are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$140.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$140.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I have an upgrade checking account # XXXX. Recently I had two issues using my debit card that required filing a dispute with Upgrade. The two merchants I filed disputes against were XXXX and XXXX. After filing the disputes I called to check the status and was told that both disputes had been closed and that I had lost them. The reasons I was given for losing the disputes was that XXXX claimed I never reached out to them with any issues regarding the order I had disputed and that XXXX is a per to per money transfer service thus not eligible for the dispute process. I am filing this complaint today because neither of those claims made by Upgrade are accurate and although I requested that my disputes be re-opened I have not been given an opportunity to share the information relevant to these disputes. Regarding XXXX, I most certainly did contact them the day of the order with a detailed list of what was wrong with the order - including the fact that my XXXX XXXXXXXX prevented me from being able to eat the incorrect items. XXXX denied my request for a refund and my XXXX account is documented of this contact. I have attached a screenshot of that documentation from XXXX to this complaint. Regarding XXXX, the merchant is not a per-to-per money transfer service. XXXX is one of the largest cryptocurrency purchasing platforms that exist. A simple visit to moonpays website will show this. I disputed the transactions with XXXX because I purchased a commodity ( cryptocurrency ) that was never delivered. XXXX is eligible for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I am writing you today to dispute the inaccuracies reported on my consumer credit report. According to consumer law 15 USC 1681 e ( b ) every item on my consumer report must be 100 % accurate. This law was violated as I have several in accuracies on my report. My name is inaccurate, my birthdate is inaccurate, my home address is inaccurate and my employment is inaccurate.

In addition to this according to consumer law 15 USC 1681 ( i ) ( A ) I have a right to dispute the completeness/accurate information on my report. 

I would like these inaccuracies addressed and removed immediately please. 


Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.

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 2024-05-04 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: TX

Complaint narrative:
All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and Equifax have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, Experian and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.

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 2024-05-04 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.

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 2024-05-04 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2024 Truist sent me the results of an investigation into my CFPB complaints cases XXXX and XXXX. In the letter detailing the results, it stated that payments were made on various dates and one XXXX payment was returned. It also stated that the correction to my credit reports for a 30 day late payment could not be adjusted/removed UNLESS a banking error had occurred. THIS is exactly what happened. A payroll direct deposit was suppose to be automatically made XXXX. And it was, but the bank didnt deduct the payment due to it being a new direct deposit account. The funds were in the account. The bank acknowledges that pending payment should have been processed. No insufficient funds fee was charged to me. Also my overdraft protection should have covered the amount. So there was actually two banking errors. 
The returned item should not have been. This was a banking error and falls within the parameters set by Truist bank that would reverse the 30 day late payment. Truist needs to abide by its own statements. Their investigation results letter is enclosed. Proof of banking error is also enclosed.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/202XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.

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 2024-05-04 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: GA

Complaint narrative:
I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: PA

Complaint narrative:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.

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 2024-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
XXXX  LLC continue to tell me they have no information about my solar system, but my contract with XXXX XXXX is base on misleading, representation, fraud, dishonesty, untrue and false statement on it, not a contract that hold true, why would i agree to this is it legal in the a court of law, those document was send out to other organization believe it true XXXX LLC have turn the back to the true to matter, this contract should be terminate

Company response to consumer: Closed with explanation