vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter will notify XXXX that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 
Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries on my credit report : 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 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  Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-06 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: CA

Complaint narrative:
I am writing to dispute an incorrect payment report for my XXXX account ( account number partially provided : XXXX ), which was opened on XX/XX/XXXX. 

What Happened : The payment for XX/XX/XXXX was reported as missed. However, this payment was made on time and should not reflect as missed on my account. 

Details : Date of the Incident : XX/XX/XXXX Payment Amount : {$65.00} Actions Taken : I ensured that the payment of {$65.00} was made on time through my usual payment method. 
I have reviewed my bank statements, and the payment was indeed processed successfully. 
Upon noticing the error in the reported status of my payment, I contacted XXXX customer service to address the discrepancy but have not received a resolution. 

I request that this matter be investigated and the incorrect report of the missed payment be corrected. This error is affecting my credit report inaccurately and does not reflect my responsible payment history. 

Thank you for your attention to this matter.

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 2024-07-06 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: CA

Complaint narrative:
I am writing to dispute an incorrect payment report for my XXXX account ( account number partially provided : XXXX ), which was opened on XX/XX/XXXX. 

What Happened : The payment for XX/XX/XXXX was reported as missed. However, this payment was made on time and should not reflect as missed on my account. 

Details : Date of the Incident : XX/XX/XXXX Payment Amount : {$65.00} Actions Taken : I ensured that the payment of {$65.00} was made on time through my usual payment method. 
I have reviewed my bank statements, and the payment was indeed processed successfully. 
Upon noticing the error in the reported status of my payment, I contacted XXXX customer service to address the discrepancy but have not received a resolution. 

I request that this matter be investigated and the incorrect report of the missed payment be corrected. This error is affecting my credit report inaccurately and does not reflect my responsible payment history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MD

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 mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 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 this account. I demand you to delete fraudulent account now.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-07-06 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: CA

Complaint narrative:
I am writing to dispute an incorrect payment report for my XXXX account ( account number partially provided : XXXX ), which was opened on XX/XX/XXXX. 

What Happened : The payment for XX/XX/XXXX was reported as missed. However, this payment was made on time and should not reflect as missed on my account. 

Details : Date of the Incident : XX/XX/XXXX Payment Amount : {$65.00} Actions Taken : I ensured that the payment of {$65.00} was made on time through my usual payment method. 
I have reviewed my bank statements, and the payment was indeed processed successfully. 
Upon noticing the error in the reported status of my payment, I contacted XXXX customer service to address the discrepancy but have not received a resolution. 

I request that this matter be investigated and the incorrect report of the missed payment be corrected. This error is affecting my credit report inaccurately and does not reflect my responsible payment history. 

Thank you for your attention to this matter.

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 2024-07-06 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: UT

Complaint narrative:
XXXX XXXX XXXX, Attorneys at Law American Express Customer Advocate Services Team XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dispute Clarification and Resolution for XXXX XXXX Dear American Express Customer Advocate Services Team, I am writing on behalf of my client, XXXX XXXX, regarding several unresolved disputes on his American Express account ending in XXXX. Below are the details of each dispute : Dispute XXXX : XXXX XXXX provided diagnostic reports from three separate mechanics indicating that the car was not repaired as claimed. Despite submitting new information in XXXX, XXXX, XXXX, and XX/XX/year>, AMEX did not contact the merchant after XX/XX/year>. 
While XXXX XXXX accepted the goodwill compensation of {$1800.00}, this was not intended as a final settlement. We seek clarification on why the dispute was not resolved in his favor, given the substantial evidence provided. 

Dispute XXXX : The merchant allowed XXXX XXXX to return the item after 30 days due to his being out of the country. Evidence of this exception was provided in the email sent to AMEX. 
However, AMEX confused this dispute with XXXX. We request that AMEX reviews and corrects this oversight. 

Dispute XXXX : XXXX XXXX paid a total of {$10000.00} ( {$5000.00} down payment and {$5000.00} towards the loan ) but received a refund of only {$7500.00}, leaving {$2400.00} unaccounted for. 
AMEX stated that the merchant refunded {$2400.00} more than what was billed, but this does not align with XXXX XXXX payment records. We request a review and correction of this discrepancy. 

By failing to properly investigate XXXX XXXX disputes and not contacting the merchant after receiving new information, AMEX may be in violation of the FCBA. This law is designed to protect consumers from inaccurate billing and ensure that disputes are handled thoroughly and fairly. We kindly ask that you re-evaluate these disputes with the provided evidence in this CFPB report and correct any errors. 

Please examine the enclosed documents thoroughly and contact XXXX to discuss and resolve these issues promptly. Failure to address these disputes adequately will leave us no choice but to pursue further legal action. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, Attorneys at Law

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
On XX/XX/year> I spoke to a person at Avant about a payment settlement. I agreed to make three monthly payments of {$85.00} for a total of {$250.00} for settlement payoff. She then told me I need my first payment that day to enter in to the agreement, so I made the {$85.00} payment on XX/XX/XXXX and she sent me a contract and I disagreed with it because it said XXXX XXXX and XXXX I would make the payment and I said what about my payment today and she said that is included they give an extra month just in case something happens. And now Avant is telling me that first payment was just a payment and not a part of the contract so I'm out that {$85.00}. although on XX/XX/XXXX I went on my account through their app and it showed I only owed {$170.00} xx and now it changed to the full amount when I looked at it XX/XX/XXXX. So this is the day I called them and they're telling me that my first payment that I made was not being used for the settlement so now I have three more payments that I have to make. I asked them if we could be listened to that phone conversation on XX/XX/XXXX and they said they will look into it. That is not fair that the settlement lady was on truthful and they're saying my account app didn't ever show a different amount. I want them to stand by the agreement that they made with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: SLM CORPORATION
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I called on numerous occasions to AR resources to find out what medical debt they are trying to collect. I am XXXX XXXX XXXXXXXX veteran and I can not go anywhere except the VA hospital systems without their permission. I do not go outside of this network, and it is impossible for me to have any outstanding medical debt. If I go to the emergency room for anything they bill the VA. All bills are covered and paid 100 % by the VA .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: PNC Bank N.A.
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: FL

Complaint narrative:
The company XXXX XXXX XXXX is reporting on my credit score but they are not the current note holder/issuer. The company was mailed a notice twice and could not provide the valid required information.

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 2024-07-06 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: FL

Complaint narrative:
The company XXXX XXXX XXXX is reporting on my credit score but they are not the current note holder/issuer. The company was mailed a notice twice and could not provide the valid required information.

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 2024-07-06 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: PA

Complaint narrative:
Please remove those inaccurate accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
The removal of these inaccurate accounts that were in my credit report when I checked it today.

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 2024-07-06 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: PA

Complaint narrative:
The removal of these unauthorized inquiries that were in my credit report when I checked it today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
The removal of these unauthorized inquiries that were in my credit report when I checked it today.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I could not access my free credit report online, back in XXXX, so I contacted transunion, XXXX, and XXXX over the phone. I was was unfamiliar with alot of inquiries and information regarding my address was not updated.I waited almost 30 min to an hour to speak to someone about reporting inaccuracies as far as addresses, phone numbers, etc. I was asked by each representative of each bureau would I like a security freeze, but how would I agree if I can't see any of my credit reports myself? I'm getting denial letters in the mail for things I never applied for.

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