vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express has a well advertised policy wherein they will only perform a hard inquiry only under the conditions that A ) you are approved for a card and B ) you choose to accept the offered card. On XX/XX/XXXX, I consented to a soft inquiry to see if I may be pre-qualifed for an American Express Hilton Honors credit card that I was interested in. 

My application reference number is XXXX, and this is a link to the application landing page for the card I applied for : https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-credit-cardXXXX XXXX  The very beginning of the application says the following : " Know if youre approved for this Card with no impact to your credit score. This process helps you apply with confidence. Heres how : Complete the application. Well let you know if youre approved first without any impact to your credit score. If you choose to accept the Card, the information we provide to credit bureau ( s ) may impact your credit score. '' Thus I believed I was consenting to a soft inquiry, but did have the understanding that this would become a hard inquiry if I was offered a card and chose to accept it. Unfortunately, American Express contradicted their own terms and marketing materials by placing a hard inquiry on my XXXX credit report despite denying my application. The hard inquiry decreased my XXXX XXXX XXXX credit score which further contradicts American Express ' promise to consumers of only impacting their credit score if they are approved for the card. 

I have called American Express to see if the inquiry can be removed or if the decision may be reconsidered. I was advised that the decision on the application could not be reversed and two AmEx representatives told me to contact XXXX to file a dispute when I mentioned my grievance with the hard inquiry. XXXX 's policy is that disputes on inquiries XXXX only be submitted to XXXX in the event of identity theft. I was then advised by an XXXX representative to dispute the inquiry with American Express. I am instead submitting my complaint to the CFPB because I have already tried to resolve the issue with American Express and have thus far been unable to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For 4 1/2 years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by 31 points. They never gave me 31 points when I was 4 straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just 31 points is outrageous but I never advanced with the 4+ years been timely. Please help me this feels unethical wrong.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For XXXX XXXX years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by XXXX  points. They never gave me XXXX  points when I was 4 straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just XXXX  points is outrageous but I never advanced with the 4+ years been timely. Please help me this feels unethical wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
On XX/XX/2023 I sent a certified letter to Cornerstone Credit Services to validate a debt they claim I have with them. As of today XX/XX/2023 I have not heard anything back from them by mail, phone or email. 
They claim I owe for an internet bill with XXXX in the amount of XXXX. 
This debt has been listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.

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 2023-06-14 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
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.

I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law.

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 XXXX technology approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for May. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank accounXXXX XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 XXXX XXXX approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for May. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank account. XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.

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 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
Summary : Unvalidated Charges/ Debt being pursued by Collection Agency. 

I called the collection agency IQ Data listed on a notice letter within 30 days of receiving. They were unable to provide details or validity of the claims/debt owed, nor was their client : XXXX XXXX XXXX XXXX ( original creditor ). However, please note, the notice letter I received from IQ Data ( attached in the document section ), reads the original creditor listed as XXXX XXXX XXXX XXXXXXXX. 

I mailed a dispute response to IQ Data, sent Certified Mail on XX/XX/XXXX to the address for XXXX XXXX @ XXXX XXXX XXXX XXXX WA XXXX listed on the notice letter received on XX/XX/XXXX - requesting validity of this debt being pursued. I should also mention, that XXXX of XXXX did not send notice alerting me of potential collection action at any time prior to receiving notice of Collection action from IQ Data. 

Additionally, I provided all of my email communication with XXXX XXXX XXXX  and their responses, clearly demonstrating their inability to validate the charges being pursued. Since mailing my dispute over 10 months ago, I had not been contacted in any form ( mail, email, phone ). Nor did I receive a formal response after delivery of my initial dispute letter. 

Subsequently, I received an alert of collections action on my XXXX XXXX XXXX indicating derogatory account notification due to IQ Data collection assignment. 

I sent another dispute letter via certified mail to IQ Data on XX/XX/XXXX. I called the collection agency once again, who confirmed receipt of both disputes, and stating they would mail me proof of validity ( after trying to collect payment in exchange for an instance email providing validity ). My last conversation with the collection agency was demeaning and highly insulting. They have continued to harass me, calling me during my work hours. 

I have diligently strived to maintain top notch credit history, and have had XXXX blemishes on my history prior to this invalid debt being pursued. To this date, neither the original creditor, nor IQ Data has been able to provide validity of the debt being pursued. If there had been objective, empirical evidence provided at any time since being pursued for this supposed debt, I gladly would have paid it off without hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Looked at credit report saw inquiries for things Ive never applied for.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Looked at credit report saw inquiries for things Ive never applied for.

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 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contact XXXX XXXX and transunion numerous of times about the inquiries on my credit report and also the bankruptcy on my credit report. That has yet to be removed! I mailed in a police report I have mailed in my bankruptcy letter also contacted each creditor transunion has yet to remove the inquiries. XXXX has violated my rights as a consumer. Transunion stated that the bankruptcy court report the bankruptcies now I uploaded the bankruptcy letter now they saying XXXX XXXXXXXX XXXX AND XXXX report the bankruptcies on my credit which is false information that was applied to my credit report. XXXX sent me a letter stating they initiated a dispute but didnt accurately fix the problem because they said they could identify me! By law I dont have to give you my personal information because I dont want you with it but still XXXX are reporting things to transunion with no accurate information. XXXX stated in the letter they need proof of my id social security card and bill! If XXXX dont have all of my information why are they reporting things on to my credit!!!! Starting today this will be my last and Finally warning to remove all bankruptcies and inquiries off of my credit file! If you can provide proof of things you have submitted. Or I will be filing a lawsuit! Against XXXX and Transunion. I want both companies to provide me accurate information. I froze XXXX from accessing my personal information in XXXX but they still refuse to stop accessing it and reporting inaccurate information to credit bureaus. Attached is a letter from XXXX XXXX sent me. They closed another complaint today and didnt provide the attachments accordingly. I cant look or click on the attachment! Please remove all bankruptcies from 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 2023-06-14 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.

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 2023-06-14 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX CO 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 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP
State: NY

Complaint narrative:
Tried to get a consolidation/home equity line of credit loan with KeyBank on XX/XX/2023 at a branch with a personal banker who ran my credit report after having an awful experience with another bank XXXX XXXX XXXX XXXX XXXX Was told by personal banker and branch manager to not pay off credit cards as loan would be approved and they would have to close my credit cards which is wrong information as that gets reported in a negative way to the credit agencies. After another XXXX weeks of waiting with this bank when I lost XXXX weeks with the first bank, they ran my credit report again and they plummeted down to XXXX XXXX XXXX  due to me not making my payments to creditors as per the bank 's instructions. Loan was denied by this one as well. They also told me they would use my home which is paid off with no mortgage as collateral when in fact anyone knows you need to be in your home for XXXX  months before it can be used as equity. Again, wrong information given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : Account Name : Account # : 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 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.

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 2023-06-15 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:
I keep getting call after call after call from Portfolio Recovery, each time from a different number. I do not owe any debts. My home is paid for, my cars are paid for, and I pay off the balance on my credit every few weeks. I don't know what these scammers are trying to pull, but they have called my cell 15 times since XX/XX/XXXX, ( today is the XXXX ). 

I understand you already been ordered this company years ago to back off their scam tactics, but obviously, they have not listened. I would appreciate it if you would remind them, and stop them from harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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