vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DID NOT GIVE ACCESS TO THESE PROCEEDINGS! Articles 15 USC 1681 B

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 2023-11-03 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: TX

Complaint narrative:
I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with 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 # : XXXX, Account # : XXXX, Account # : XXXX 15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have an aspire Mastercard since XX/XX/XXXX. I was out of work for a few weeks I havent missed a payment up until now. I came back to work last week I reached out to customer service on XX/XX/XXXX via chat and explained that I am in a financial hardship and that I need some time to get back on my feet and if it was possible to get an extension or a grace period and I was told that aspire doesnt give out extensions or grace period and I would be charged a late fee. The agent told me she would notate it in the account. I explained that I would do my best to pay it. My account got overdrawn and I have no way of paying it. I received to emails that the account is past due and I need to make a payment of {$150.00} to reinstate the account. I still received an email about the same thing. I am on a fixed income and Im barely making it. I would like the emails and texts or calls or letters to cease and desist until I am able to get back on my feet financially. Since I was out of work for a while. I can not pay {$150.00}. I would like an arrangement or a payment until I get back on my feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-11-03 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 2023-11-03 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: DC

Complaint narrative:
I Have reached out to all 3 Credit Bureaus and they have given me the run around I have sent in my FTC report in months ago here are the inquires and accounts that need to be removed Immediately. 

Account Name and Account number XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-03 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:
Remove hard iquiries :
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 2023-11-03 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: MA

Complaint narrative:
I have disputed these accounts with errors, inaccuracies, and incompetence for a duration of 9 months. The credit reporting agencies are violating my rights under fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. I WORKED HARD BY PAYING THIS OFF ACCOUNTS MONTHLY BUT THEY ARE REPORTING ME LATE? THAT IS UNFAIR!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
In XXXX on XXXX I did a dispute against professional collector corporation and they couldnt validate the debts with XXXX so the bills were removed. XX/XX/2023 professional collector corporation then and reported 2 bills. One of the bills is for XXXX in the amount of {$1600.00} I have not been to the XXXX XXXX XXXX since at least XXXX of this year and it was for a XXXX so I went to XXXX XXXX. So that bill doesnt exist. There is a second bill for XXXX in the amount of {$4000.00}. This bill was already removed off of XXXX since it couldnt be validated. It already shows on the bill that I disputed already which I did through XXXX. Now XXXX said thats fine that they will take the bill and it put on my credit without validating again. Which they cant validate since it doesnt exist. Professional collector corporation is very angry with me since they are trying to collect that was already paid by XXXX XXXX XXXX and XXXX XXXX XXXX is trying to double dip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity Bank has continued to call over and over every day. Today they have called 7 times between XXXX and XXXX. I answered twice and said i'm at work and to stop calling but instead they just call from a different number. I completely forgot about the payment and intend to pay the bill in full when I get paid but the harassment is out of control and for a bill that is under {$250.00}. I've also received 2 text messages today as well. And if you try to call them back they can't help you if you don't know your account number even though they've called you a ton of times to bug you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DailyPay, Inc
State: TX

Complaint narrative:
I noticed charges on my account, not mine, and immediately contacted them asked them to do a atop pay or something to stop them from taking my money qhike it was still pending. XXXX XXXX. They told I had to wait til the charges completed then dispute. I said want to go through that, but I had to because they would not help any other way. When that happened I immediately filed the disputes and sent them in writing. I've contacted them many times at least to request the provisional credit. I live paycheck to paycheck, my electricity was cut off, I pleaded with them to at least give me the provisional credit. I contacted them when this was going on, they should have it on file these charges are not mine. However, they don't care and haven't responded, when i call they have even told me they have no dispute dept. I just want my money that was taken from. At the time it was taken, I had no official card, my card was supposed to be mailed never got til afterwards, thrn when I called to activate, the card doesn't even work I had to order another and it hasn't arrived. So how did they take the money out, I don't know, maybe Friday knows they are thr only ones with access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent Im several letters with my identification and social security number showing correct information and it was not updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been trying to get this one item off my credit for years now my rights have been violated!!!! I have rights and I know my rights. I never gave anyone permission to put it on my credit. Im Not responsible for this DEBT. please remove from my credit report Now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: VA

Complaint narrative:
On XX/XX/2023, I contacted Transunion about an unauthorized Inquiry on my consumer report. The representative informed me that the inquiry will stay on my consumer report for 2 years. I filed a identity Theft report with the FTC which I am attaching with this claim. The inquiry in which i am referring to is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports and 18 U.S. Code 1028A - Aggravated identity theft | U.S. Code | US Law | XXXX XXXX Legal Information Institute, I did not authorize or have any knowledge of any individual, corporation, Financial institution, or any other entity to access or use my personal information, which is a clear violation of the FCRA. 

Furthermore, I do not consent to Transunion adding any fraud alerts to my consumer report, adding more insult to my consumer report. 

Please see attached Identity report with the Federal Trade Commission for your records.

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 2023-11-03 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: OH

Complaint narrative:
TRANSUNION 'S duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXXL account ending in XXXX. This include a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-11-03 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-03 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: MD

Complaint narrative:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. 

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 

ACCOUNTS DEPT OF ED/XXXX Account XXXX DEPT OF ED/XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
followup om compliant XXXX. This is my third compliant about the same come : Portfolio Recovery. Dispite the response you recivieved XXXX XX/XX/2023, they are still calling. Just got another call from ( XXXX ) XXXX less than XXXX minutes ago ( XXXXXXXX XXXX XXXX  ). 

This company has not and will not response to CFPB. Stronger enforcement is needed. Can you fine them or revoke their license? 

This organization is unscrupulous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: LEXISNEXIS
State: MD

Complaint narrative:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 
I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
I am writing you because I feel that the Global Credit Union, XXXX ID # XXXX, is using creative accounting techniques to unfairly increase mortgage loan interest payments from its customers. My original mortgage was with Alaska USA FCU which merged with Global CU. 

For years, I made monthly mortgage payments that included an additional principle payment to pay down the principle on my mortgage loan and reduce the monthly interest due. In XX/XX/XXXX, I noticed that instead of the additional amount being applied to the loan principle, Global CU applied the extra funds as future monthly payments. This resulted in my monthly interest payments staying elevated because the principle was not being reduced. 

I contacted Global CU on XX/XX/XXXX and was told that their computer algorithm automatically applied extra payment amounts towards future monthly payments instead of the loan principle. On XX/XX/XXXX I requested the bank to specifically code the additional payment amount made in my XXXX mortgage payment as additional principle and even received a receipt showing it as an additional principle payment. But but as of XX/XX/XXXX, the additional principle was applied to future monthly payments into XXXX. 

When I obtained my mortgage loan in XXXX through Alaska USA FCU, I was told that there was no penalty for an early payoff. By refusing to reduce the loan principle and keeping the monthly interest payment elevated, this becomes a financial penalty for trying to pay off my mortgage early and allows Global CU to reap an unfair financial gain by charging increased monthly interest amounts. 

While my additional monthly interest amount may not amount to much, if you consider the number of other mortgage interest payments affected by these creative accounting techniques, Global CU is collecting an enormous profit using dubious accounting methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed these accounts with errors, inaccuracies, and incompetence for a duration of 9 months. The credit reporting agencies are violating my rights under fair credit reporting act.

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