vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-10-26 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt was deleted but opened back up. I didn't not receive a letter of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NC

Complaint narrative:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in 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

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 2023-10-26 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: NC

Complaint narrative:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in 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

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: NV

Complaint narrative:
The business information reporting with LexisNexis is old and outdated. The phone number, address my company title and the XXXX codes all need to be updated as some of this information was not reported correctly and other information is outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TX

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2023-10-26 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: NM

Complaint narrative:
Here is info from the website of my AmEx card statement {$53.00} Will appear on your XX/XX/XXXX statement as AMEX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX - XXXX Tags Dispute In Progress In Progress Disputed Amount {$53.00} XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Visit Business Additional Information XXXX XXXX This charge has not been refunded and was disputed, and closed without a refund by AmEx

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I have a hard inquiry on my credit report from OneMain financial that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Actions Taken : I am writing to address an issue related to my information being shared with Early Warning Services. To my knowledge, there has been no formal written instruction from me, either express or implied, authorizing the sharing or furnishing of my information with Early Warning Services.

I have reviewed my credit reports and found that my information has been shared with Early Warning Services without my explicit consent. This is concerning, as I believe this action may have an impact on my privacy and financial security. 

I have contacted the relevant parties involved and followed the necessary steps to rectify this situation. However, I have not received a satisfactory resolution to date. 

I kindly request that Early Warning Services promptly cease the sharing of any information pertaining to me, and that you confirm in writing once this process has been completed. 

Please be advised that this request is in accordance with my rights under federal law, and I expect full compliance with this request in a timely manner. 

Thank you for your attention to this matter. I look forward to your written confirmation of the completion of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
On XX/XX/ a company me called in regards to a cell phone payment. 
They said the card I have on file declined. I told them I am out of work and I will be in touch with them as soon as I can make a payment. They continued to ask me when will that be. I told them I dont know and they continued to ask personal questions like how am I paying my other bills and surviving I felt like this was very unprofessional and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX CIG wrongfully had someone to repossess my vehicle. I do not have any contract agreement with CIG and they are not the note owner of the vehicle they are simply a servicer, As the owner of the account, as defined by 12 CFR 1002.2, I am a federally protected consumer, and it is my right to receive accurate and transparent information about the transactions and credits associated with this account. I have filed two previous complaints requesting validation of the account and have yet to receive any concrete resolution. 

A request for the following was made : FULL ORIGINAL and/or UNALTERED documentation specifying credits, tax liabilities, discharge of debt, bonds, and/or securities as they are applicable to this account. 
Compliance with 12 CFR 1026.13, which requires correcting the billing error and crediting the consumer 's account with any disputed amount and related finance or other charges, as applicable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: PA

Complaint narrative:
there is false and incomplete information being reported to my credit profile and I am running out of options. currently seeking arbitration. maybe a settlement is the last choice

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
there is false and incomplete information being reported to my credit profile and I am running out of options. currently seeking arbitration. maybe a settlement is the last choice

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have been with American Express for a very long time. I unacceptable that this only company that harassed and stock clients to the fullest. I have a business credit line and business credit card with then. I have never used more than my credit limit. Never had a late payment. They are making money with me on a monthly basis with interest rate that are at the historical highest. All of the sudden if own XXXX out of my XXXX limit and they are forcing, dictating, and obligation me to pay a certain amount of money to keep my credit limit at its original amount of XXXX. This unacceptable. In the line of business they already doing it every month after I made each payment. They laugh at every hard worker XXXX. Harassing and trying to abuse of everyone when in reality they should be thankful of small business owner like myself that are working hard during these difficult times. I hope that this complaint is read, reviewed and analyzed by a bigger institution and someone has the human decency of going above and beyond to fight against this kind of behavior by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
This account is too old to be in my report. The account has been paid off in full and closed more than 7 years ago. It still showed open and collection at the same time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
Greetings, In accordance with FCRA my rights has been violated. Please see attached identity theft report.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My debt card was stolen. I filed fraud charges and was denied. I filed a police report, proved it was fraud, and they are still refusing to refund the money.

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 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/23, I called Mohela in order to prepare for my first payment on XX/XX/23. I called after receiving emails XXXX I would possibly have to manually pay a portion of my loans. The total amount due for XX/XX/23 was {$700.00}. It was not made apparent through emails what amount I needed to pay manually so I called on XX/XX/23. I spoke to a representative to confirm what amount will be auto debited and was told XXXX {$620.00} would be auto debited as scheduled on XX/XX/23 and I have to manually pay {$75.00} in order to make up the difference of the final due amount of {$700.00}. 

As of XX/XX/23, I have an overdue balance of {$620.00} which is accumulating interest daily. I would like to submit a complaint and have any additional interest or future damages to my credit reversed as I was assured XXXX the total amount would be confirmed to be paid marked on XX/XX/23.

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 2023-10-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I did not get these loans, or make these Purchases online. I do not have any knowledge of these accounts and they are fraudulent so they must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Chase Bank for their mishandling of my dispute using various tactics. 

After receiving the item, I believe it does not justify its price. Consequently, I requested the seller to provide a free return label for a refund. However, neither the seller nor XXXX adhered to their promised " Free Return '' policy for after-sales service. Instead, they only provided an address for me to cover the return shipping cost. As a result, I initiated a dispute, seeking my bank 's assistance to take action against this unscrupulous seller and XXXX. 

I applied for the dispute over a month ago, and it was approved. Three weeks ago, I confirmed that it was still pending. However, today, one month later, when I contacted the bank again, they informed me that I need to provide more information. They insisted that I contact the seller to confirm whether the refund was part of the transaction. This is an absurd request, as the bank should know whether a refund is related to the transaction or not, and it should not require me to contact the seller for confirmation. Due to this unacceptable behavior, I have lost trust in Chase Bank, and as a protest, I have deactivated all my Chase bank cards. 

I request the relevant authorities to intervene and supervise this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation