vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent out dispute letters off to experian and XXXX XX/XX/2022 the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code $ 1681a - Definitions : rules of constructior The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, persona characteristics, or mode or living is Obtained through personal interviews with neighbors, friends, Or associates or the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific intormation on a consumer 'S credit record obtained directly from a creditor or the consumer or trom a consumer reporting agency when such intormation was obtained directly from a creditor of the consumer or from the consumer would like to know who did they talk to How did they complete this investigation.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I went to Comenity Banks web site and redeemed XXXX points and I should have received two XXXX gift cards. I did this back on XX/XX/2022 and I have called several times to get an update on the cards. Today I was given a different XXXX to call and I called them and then they gave me another XXXX number to call and they could not help me. So then I made one more call to Comenity Bank and was placed on hold and then hug up on. I ordered these gift cards so that I could have them in time for the holidays. It shows on there web page that they have deducted XXXX points from my total but I have not received the gift cards as of today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-01 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just spent XXXX min XXXX on the phone with experian. I was transfered 5 times to a diffrent number/dept.! I asked to speak with a supervisor and was put on hold and then disconnected. 
This complaint is the same as the previous complaints. They have my income incorrect. They have it as {$2200.00} when it should be {$3700.00}. 
It is easily verified in my checking account with XXXX XXXX @ XXXX XXXX XXXX XXXX Al, phone XXXX which shows my SS deposits each month totaling {$3700.00}. Your agency has taken no action against Experian to correct the information. you simply close the complaint regardless if the issue has been resolved or not. It has not been resolved and I can not get it resolved. I get XXXX answers and the run around when I call their dispute dept. 

Please enforce the requirements to fix the inaccurate 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 explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My XXXX mortgage account is being shown late XX/XX/XXXX and XX/XX/XXXX. This information is innacurate and untrue. I have asked for several investigations to be conducted all of which were ignored. I have the right to privacy and this information is being shared without my permission. At some point I will have to take legal action if it is not removed immediately. XXXX XXXX Remove XXXX late payments immediately. This information is hurting my future and I will sue for every infraction.

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 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before. 
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX. 
Got an email from XXXX XXXX XXXX XXXX ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections. 
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX  ( XXXX ) to cancel the account / erroneous charges. 
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX  XXXX XXXX to send my info to Debt Collections trying to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: AZ

Complaint narrative:
Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY XXXX  XXXX INQUIRY XXXX XXXX, XXXX I DO NOT RECOGNIZE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid 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: Avant Holding Company, Inc.
State: ID

Complaint narrative:
My avant card was stolen and used in another state. When I became aware of this I reported the fraud to avant and opened billing disputes on the fraudulent charges. avant closed the stolen card and sent a new one. avant requested a follow up call with me in which I responded as requested and provided the information I had at the time. I was credited a security credit but in retaliation for filing a dispute avant reduced my credit limit from XXXX to XXXX under the guise of an account revaluation. I know this to be true as the only thing that had changed with my credit profile at the time was the dispute - as a matter of fact my credit score actually increased between the time I was approved for the card and when my limit was lowered. Now to make matters worse I have been recharged for the fraudulent charges. So avant not only lowered my limit in a retaliatory fashion but is now also holding me responsible for fraudulent charges made to my account. avant has not communicated with me voluntarily as is their regulatory duty and avant has violated my rights in numerous ways under the Fair Credit Billing Act. Avant does not care about their customers, customer rights, or investigating in good faith. 
On XX/XX/30 tge investigation team reached out and asked I file a police report. I returned the report tge same day. Have not heard anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax keep sending these stall tactic letters requesting my information and I have submitted this information when I submitted my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX have violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 an 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 explanation
Consumer complaint received 2022-12-01 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
XXXX have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. XXXX is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which XXXX failed to do this. XXXX is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for XXXX to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. XXXX is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. XXXX is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent out dispute letters off to XXXX and equifax XX/XX/2022 the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code $ 1681a - Definitions : rules of constructior The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, persona characteristics, or mode or living is Obtained through personal interviews with neighbors, friends, Or associates or the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific intormation on a consumer 'S credit record obtained directly from a creditor or the consumer or trom a consumer reporting agency when such intormation was obtained directly from a creditor of the consumer or from the consumer would like to know who did they talk to How did they complete this investigation.

Company response to consumer: Closed with explanation