vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXXXXXX XXXX Original creditor

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/23, I disputed XXXXXXXX XXXX XXXXXXXX on my credit report. A few hours later, I received a notification stating this item was deleted. However it remained visible on my report. Is it humanly possible to completely verify data in a few hours after receiving it? Also, Experian blocks all previously disputed items online. How can I correct errors, if I am not given the opportunity to do so? I have been playing the reinsertion games for months. 

I made a dispute with Experian on XXXX XXXX, It was accepted. I disputed an inaccurate, unverifiable collection items. The name of the company XXXXXXXX XXXX XXXXXXXX. It was accepted with XXXX and on XXXX I received an update where it had been deleted. On XXXX the XXXX, XXXXXXXX XXXX  XXXX flagged my account as a collection. This happened with Experian, and XXXX. 

Experian sells my data to furnishers, under its umbrella company Clarity Services. How is this legal? Experian does not protect consumers, it protects the bottom line! This is unethical and absolutely unacceptable. How long will you allow this type of behavior? The credit bureaus are out of control!

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I sent a prior complaint ( XXXX ), which was based on info that Amex gave me about plans. Amex followed up with me and told me the person gave me incorrect information and payments are NOT applied to interest-free plans first, so that complaint should be closed. I still knew the interest was wrong, so I looked into it further. I have tried repeatedly to explain the issue to them by chat, but they just keep telling me they will send me info on how interest is calculated. I am a XXXX XXXX and understand interest - that isn't the problem. 

I am repeatedly told that the interest is being computed on my average daily balance back into the " interest free '' period. I have attached my XX/XX/XXXX statement, which shows that interest-free promotion, from XX/XX/XXXX to XX/XX/XXXX, with an outstanding balance of {$0.00}. You can also see that my non-plan total balance was {$0.00}. Plan balances do not incur interest, as long as the monthly amount due is paid, which mine was. 

I made new charges on my card that posted to my XX/XX/XXXX statement, which totaled {$1700.00}, with an average daily balance of {$1500.00}. The minimum payment was made instead of adjusted balance in error ( by me ). However, American Express showed an average daily balance of {$7300.00}, " from '' XX/XX/XXXX and charged me {$160.00} in interest. 

This is clearly not correct and there is no possible way that I had an average daily non-plan balance of {$7300.00} in a month when I only made {$1700.00} in new charges. I have attached a spreadsheet that very clearly lays out my payments, net balance, and new charges. I have contacted American Express about this and spoken with 4 different people who continue to insist that the interest is correct, try to explain how interest works to me, offer to send a letter explaining interest, etc. They don't seem to understand that there is a systemic error that is showing an average balance that did NOT exist in statement period and a " from '' date that is also wrong. This issue was compounded on my XX/XX/XXXX statement with another {$200.00} interest charge, again showing an aging " daily average '' balance that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I fell behind when I became injured at work. Ive been trying to catch up. I pay more than the payment past due. The late fees never change only get higher. The payments go towards the payment that is current not the past due amount. Making it go past the 30 days late. The past 3 payments- Ive made small amount each week to watch. Each payment goes towards the current balance leaving the past due and late fees.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax I, XXXX XXXX, am sending this letter due to inaccurate accounts on my credit report. In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the ORIGINAL name of the creditor to whom the debt is owed ; * ( 2 ) Provide a verification or copy of any judgement ( if applicable ); * ( 3 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. This account was deleted by you guys then put back on my report on XX/XX/2023. The report states I opened the account XX/XX/2023 which makes this account beyond inaccurate. 
Party Owed : XXXX XXXX XXXX Amount : {$1000.00} XXXX Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: AR

Complaint narrative:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain some disputed items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; AXXXX 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

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 2023-05-12 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:
When I reinvestigated my new updated credit report, I realized that the same account was erroneous. The 3 credit bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TX

Complaint narrative:
Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 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 2023-05-12 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
XX/XX/2023 - a {$420.00} repo fee accessed to my account. I had no knowledge of the repo fee and it was never stated on my statement. Kia took my {$540.00} car payment and instead of applying my car payment to my principal balance and interest, they applied the money to an expense. I had no knowledge that any of this happened until I got online and looked deeper into my account because Kia was stating I was behind on my payment. 

XXXX Kia charged me {$52.00} in late fees. I was late due to the fact that Kia took my {$540.00} dollar car payment that I made in XXXX and applied it to a fee that I was unaware of. So because no money of the {$540.00} went to my car payment, I accessed late fees. 

I have gone to small claims court with Kia as the defendant. Kia could not explain the repo fee to the judge. Kia agreed that the repo fee was not stated on my statement I was awarded nothing by the judge.

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 2023-05-12 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: AR

Complaint narrative:
I would be gIad if you put attention regarding to my complaint its because I found out there are some inaccurate informations that are UNKNOWN to me. You are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following inaccurate items are needs to remove : XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXX XXXX Original creditor

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 2023-05-12 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: AL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
From XX/XX/2022 to XX/XX/2022, Citibank has reported an account past due to all 3 credit bureaus. Citibank has collected their payment on my bank account, and an in-person payment in-store at Macys. Upon contacting them, they offered to provide a refund which never happened. I proceeded to call my bank and dispute the transaction. Citibank then decided to report my account not paid following this without providing a refund and without notifying me of that even tho I paid them. Around XX/XX/2022, someone helped me identity the account being reported as late on my credit report. I contacted Citibank and make a full payment yet even tho they were already paid so they can fix their reporting. Up until now, no refund was provided and yet they ruined my credit with their false late payment as a tool of extortion. 

Macys and Citibank have put together to discriminate against me due to my race and my XXXX of speaking clearly. At one point, Macys and Citibank have defrauded me, then they are causing difficulties in obtaining any financial products.

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 2023-05-12 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXXThe inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report The following personal information is incorrect Account Number : NAME : 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