vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tales of. Please view the item below XXXX XXXX XXXX XXXX account XXXX Date of last activity has been re aged. and 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I went to advocate XXXX XXXX in XXXX Illinois over 3 years ago I had XXXX XXXX and gave them my card they billed my XXXX XXXX XXXX but now 3 years later I'm getting a collection I've contacted XXXX and when I did they wouldn't give me any info on who the collection was for just acted strange and wouldn't give me any details just kept repeating for me to pay it, I asked for everything in writing and the lady deliberately hung up so I did some research called XXXX Illinois they are the one who supposedly doing the collection but when I called them they had no idea about my record and told me to call hospital I went to I seen on bbb site they had a lot of fraudulent remarks of doing same to others but I know after contacting my XXXX it was paid so I feel this is all fraudulent and nobody will mail me anything or professionally talk to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I previous reported this company for coming after me for this debt that is not owed and to give this company a 15 US Code 1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: CA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The Balance of {$250.00} reported by Equifax does not correspond to the lower amount that I remember. The Past Due amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Therefore, I request that Equifax marks this account as disputed to prevent further damage to my credit score. 


The account XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) is inaccurately reported. The Balance amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, Equifax 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request Equifax to mark this account as disputed until a resolution is reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.

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 2023-07-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
remove fraud account XXXX  XXXX XXXX and inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Good Morning, I was charged interest on my American Express Gold credit card in the amount of {$56.00} on XX/XX/XXXX. 

I called American Express on 3 separate occasions over the past 3 months inquiring about why this charge occurred and asking for it to be refunded. 

The following sequence of events occurred : -XXXX XXXXXXXX : I was told the charge was due to Buy Now Pay later feature that was erroneously turned on. I was told the interest would be refunded. 

XXXX XXXX : I was told the charge was due to a late payment, but since I was told the interest would be refunded on the previous call ( which they reviewed and confirmed ) they would refund the interest in the next billing cycle. 

XXXX XXXX : I was told no one knew why I was charged interest and American Express was unable to determine the cause. American Express stated that the information has disappeared, and they would not refund any interest. 

This is alarming and surprising coming from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've been with B/America for over XXXX years. I was a XXXXXXXX XXXX customer since XXXX, B/America bought XXXX XXXX  out and I'm considered a long standing customer for over 38 years. My credit score was XXXX and now it's only XXXX, because I paid my mortgage off in XX/XX/XXXX. Since that date my credit score has continually fallen, because they claim I don't carry a evolving monthly charge or loan amount. This has caused me to miss out on lower interest rates. I recently tried to buy a vehicle and the interest rate was over 7 %. They claim, that XXXX shows no signs of reoccurring monthly charges for the reason of a higher interest rate.

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 2023-07-21 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is a problem that started in XX/XX/XXXX. My previous complaints explains that my personal checking account with Capitol One froze my account. XX/XX/XXXX. This was due to a XXXX loan deposited into my account. Per Capital One my account was closed in XX/XX/XXXX and my loan was returned to XXXX XXXX XXXX ( which this complaint is also against ) the issuing bank of my XXXX. Ive unsuccessfully been able to contact either financial institution. I am being charged for the loan by XXXX XXXXXXXX XXXX I never received the loan as it was returned. Also not allowed to have loan forgiveness that was offered to all applicants. Ive sent emails to XXXX XXXXXXXX XXXX  to verify if they received the loan back. XXXX XXXX XXXX replies that I have to contact Capital One bank for that information. Capitol One wont give me any information because they have closed my account. I am being charged for repayment of a loan that was returned.. I need assistance in resolving this matters. I need verification if XXXX XXXX XXXX received the loan back from XXXX XXXX. If the loan was returned it should be applied to my XXXX XXXX account. Neither financial institution will send proof of this transaction. Who can help govern this situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I've never applied or opened a XXXX account XXXX I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX XXXX XXXX XXXX ( Experian ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX XXXX ( XXXX ) Blank XXXX XXXX XXXX ( Experian ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX XXXX XXXX XXXX XXXX ( Experian ) Never applied for this credit card. 
XXXX XXXX ( Experian ) bank credit card i nevel applied for. 
XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX XXXX XXXX ser ( Experian ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX , Experian ) Please take this off my report its over XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX Experian , XXXX XXXX these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.

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 2023-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian credit bureau is reporting 5 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.

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 2023-07-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear Equifax, XXXX XXXX, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Overall, i had 4 accounts compromised. XXXX, XXXX mail ( my email : XXXX ), my credit card on Chase XXXX, and a attempted login on my gmail ( XXXX ) and XXXX fraudulently account made on XXXX. I had 3 large unauthorized / Fraud purchases made on my credit card on XX/XX/XXXX on a compromised XXXX account of mine. I have filed a dispute with Chase XXXX, however, they are telling me that the fraud department will reach out to me, they have called XXXX time and unfortunately missed the call and they have not called me back despite requesting multiple call backs. Additionally, they sent us the justification and compelling evidence on why they are closing the dispute but the reports are not readable. I can not legally confirm anything they have sent because the proper written documentation Chase XXXX has sent over is not legible. I requested for the case to remain open until we can properly investigate, but Chase XXXX has decided to close the case despite not providing proper written documentation. 

I repeatable told XXXX XXXX Chase ( XXXX ) that they could not legally close this close since they had not provided legible information and requested more copies however he said they are closing the case and they did not find the phone call and information productive. Chase is operating illegally and mismanaging me with my fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed a Fraudulent account from XXXX XXXX XXXX Throughout my Equifax and XXXX reports

Company response to consumer: Closed with non-monetary relief