vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Yes I have sent in letters certified with inaccuracies on my report. These letters have been signed by the credit bureau confirming they have received them. I have disputed these account numerous time and nothing has been fixed or changed but they claim it has. There has been numerous violation with no action being taken. I demand these accounts be removed. I have a court date set in place to sue for these violations.

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 2024-04-15 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I recently reviewed my credit report yesterday and noticed on an account that was not reporting accurately. i had 2 late payments on an account that i was in fact paying on time all last year. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments for the past year and i attached a copy of my report to this complaint on the following dates of XXXX and XXXX I would like to request that you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately, Thank you for your understanding.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I told the collection company and company that I paid that I did not live their anymore and closed my account to send me the proof of usage I never received any documents stating I owed this account balance. When they contacted me I told them I will not pay a account I do not owe and the repeatably kept calling me and harassing me for money I do not owe.

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 2024-04-15 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
As of XX/XX/year> according to the USPS. Equifax received : Proof of my address, my bank statement, & proof of my identity. 
The same information was provided to XXXX XXXX XXXX. I am having a hard time understanding why Equifax refused to remove the inaccurate inquires within my credit file when XXXX XXXX XXXX remove each inquiry without Error. 
Kindly provide how this is possible? I will however provide the EXACT information as well. I have CCd the Consumer Financial Protection Bureau as well as they are responsible for protecting consumers. 
It is honorable to abide by the provisions of the Fair Credit Reporting Act. This notice will serve as proof upon request if required at a later date / time. 
I would appreciate Equifax removing the inaccurate inquires immediately as the inquires attached are not a result of a firm offer of credit, insurance, employment, or court order. A permissible purpose was not granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: OK

Complaint narrative:
POOR COMMUNICATION & ISSUES WITH INTEREST RATE We utilized Goodleap 's offer for 12 months interest free to install XXXX XXXX. We were advised and received emails advising our initial payment was due XX/XX/XXXX to avoid interest fees. Called today [ XX/XX/XXXX ], we're being advised the interest [ 15.49 % ] has already been added on XX/XX/XXXX. 

Having known a different due date, we would have made payment prior to or gone with our own HELOC which has a better interest rate. Why wait 2 week to add ~ {$2000.00} to an already expensive system. We realize the date of signature XX/XX/XXXX but was advised our first payment was due XX/XX/XXXX to avoid the first year interest. 

Frustrated with being bounced to various individuals to discuss. Documentation signed was via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I noticed fraudulent credit inquiries which where unauthorized by me and Im requesting to have these deleted from my credit report as they were without my authorization.

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 2024-04-15 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: Global Lending Services LLC
State: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA.

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Started calling SERVE card and American Express in XXXX to log into my account. Account has been locked many times at random and now the service representatives will not pick up the phone at all. Tax Return is locked into the account and I can not access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-15 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I was on vacation in XXXX and filling up a rental car at a gas station, the attendant took my card and charged for the gas and also made a fraudulent charge on my card. 
I have disputed discharge with Citibank and they refused to reverse the fraudulent charge and will give me no information as to their decision. 
I have attached a picture of the email I sent to Citibank, which further explains the situation and request for 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 monetary relief
Consumer complaint received 2024-04-15 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclay 's Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by barclays bank that it was removed but it still on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX  and they said it's not showing anything on there end

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report yesterday and noticed on an account that was not reporting accurately. i had 2 late payments on an account that i was in fact paying on time all last year. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments for the past year and i attached a copy of my report to this complaint on the following dates of XXXX and XXXX I would like to request that you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately, Thank you for your understanding.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report yesterday and noticed on an account that was not reporting accurately. i had 2 late payments on an account that i was in fact paying on time all last year. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments for the past year and i attached a copy of my report to this complaint on the following dates of XXXX and XXXX I would like to request that you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately, Thank you for your understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Beginning in XXXX of XXXX, I noticed by FICO credit score was not accurate. I applied for a credit card and was denied. I did not know the reason as I had a good credit score in XXXX. I continued applying to credit cards and kept getting rejected, even for ones I was over qualified for. I pulled all three credit scores in XXXX of XXXX. The discrepancy between Experian and the other agencies was obvious. They did not have my oldest credit card on file at all. I reached out to my bank and they told me I needed to reach out to Experian. 

I called Experian and an automated answering machine told me to file a credit dispute online. When I went online I found there was no clear way to file a dispute for MISSING information on your credit report. I tried to call again but was only talking to an automated service that refused to transfer me to a human being. So, I filed two disputes on the Experian website where I selected another credit card and explained that the dispute was not about that credit card but a missing credit card not available on the Experian report. Both disputed were denied and no action was taken to reflect the correct information on the credit report. I proceeded to call Experian at several different number to try to speak to a representative. I called on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I finally gave up and open a complain with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They sent a request to all credit agencies to reflect the correct information on XX/XX/XXXX. I allowed 60 days for Experian to do so. They have failed to update the information on my credit report. 

Today, XX/XX/XXXX, I have called Experian 8 times at several different number and am only directed to an automated machine that refuses to allow me to speak to a representative. I believe that not only has Experian failed to accurately reflect my credit history, leading to a detrimental impact to my lending ability, they have failed to resolve the issue even though it has been disputed three times, and they continue to fail consumers by not allowing them to call a customer service line and receive efficient help from a real person. If they really can not updated the credit report would like an explanation WHY my disputes were denied, WHY my information was not updated, and WHY they refuse to accurately reflect my credit history on my credit report so that I can make informed decisions about my credit.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw inquiries that I do not recognize.

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 2024-04-15 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
My checking account was hacked/scammed. It was discovered on XX/XX/2023. Bank was immediately notified. Accounts were closed. Everything was properly secured. All paperwork was sent to the XXXX XXXX XXXX XXXX. The monies that were taken went to Cash App. XXXX XXXX XXXX XXXX requested search warrants to be conducted. They were done and completed through the XXXX XXXX Police Department by Detective XXXX XXXX. Cash App has been notified and keeps closing the claim stating that they show I was the one making the transactions. Search warrants showed several IP addresses from all over the country with the monies being sent everywhere. XXXX XXXX states that because it was a Cash App issue and a third party they are unable to provide any refund. They say it is strictly a Cash App issue. We can not get Cash App to understand what is happeneing. We have the search warrants to disclose to them but they just keep closing the claim and hanging up on myself and the detective. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally request the deletion of this inaccurate account from my credit report. I did not authorize its creation or use. Enclosed are the documents to substantiate my claim.

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 2024-04-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the my balance on my XXXXDepartment of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company .

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.

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