vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Events : On Friday, XX/XX/XXXX at XXXX I received a phone call the person identified themselves being with XXXX to verify I had purchased {$8900.00} in XXXX  Products. I told them I had not and it was fraud to stop the transaction. They asked if would like to be transferred to the Federal Trade Commission ( FTC ) to report fraud and I said yes that I would like to report fraud. I then spoke with a man named XXXX XXXX. ( XXXX ) He pulled up my name in his data base and said I was under investigation for suspicion of money laundering and drug trafficking. That under my name I owned 12 different homes, had 13 credit cards, 22 different bank accounts, and five XXXX accounts which I do not. He told me my name was associated with transferring XXXX XXXX in/out of the country. He told me they wanted me to cooperate with the authorities to apprehend the suspect to clear my name otherwise there would be warrant for my arrest, a lien on our home, and my assets frozen. I was told not to tell my husband or anyone as they could be a suspect. He then had me check on my laptop on the U.S. Treasury webpage to view the XXXX XXXX XXXX XXXX to protect my money so they could not freeze my assets. He asked if I would cooperate with the investigation to apprehend the suspect and I said I would to also to protect my assets.. Once my name was cleared and there was no warrant for my arrest I would then put the debit cards back into my American Express account.. He told me that I was to go to the XXXX XXXX XXXX XXXX and XXXX XXXX to obtain XXXX Gift cards in various denominations which you will see the transactions on my credit card. The amount on my American Express account is approximately {$4000.00}. Took pictures of the bar codes of the gift cards. He sent me a text picture of my arrest warrant from him at the CIA and he had me on speaker phone on my cell phone in my purse while I was in each store and in my car listening to all my conversations. If I did not follow his instructions the warrant for my arrest would be activated. I was certainly under duress. 
I have spoken with American Express and they have not been helpful. I have had my AMEX card sinceXX/XX/XXXX and their treatment of a loyal customer is unbelievable. I have worked for XXXX XXXX in Sales/Marketing for 30 years and I would never treat a customer in the manner that American Express has treated me in a situation that I was under duress. Thank you for any assistance you may provide and please contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have consistently been fighting to have this account permanently removed since 2018. I am very stressed because Ive been fighting for YEARS. I am a victim of Identity Theft. Someone broke into my car and charged thousands on my at the time USAA credit card. I sent in multiple police reports, ftc reports, written letters, statements and all and the credit bureaus always says its valid. I even had a letter showing the account was deemed fraud yet they have held me responsible for over 4 years. I am tired. Now, they havent even reported anything in 2 years but still on my report as negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio
State: TX

Complaint narrative:
At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is Vance and Huffman. 

Fast forward to XX/XX/2022 Vance and Huffman LLC removed their negative item from my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have notified Equifax that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. Regional Acceptance Corporation account resulted from identity theft and was already deleted to XXXX and XXXX but not XXXX. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from XXXX and Regional Acceptance.

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 2022-04-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A random account from XXXX XXXX XXXX showed up on my credit report recently. I reached out to the furnisher to gain information on the account and they explained that an account was opened in my name in 2015. I did file a police report but since the account was originally opened in 2015 it seemed to be useless for my dispute. Other than the fraudulent claim, this account is still reporting illegally for several reasons. The credit bureaus response to my dispute was that the information was verified and updated. I did not receive any information as why this account is reporting without my consent, why the information is reporting as the account was re-aged, why the account is reporting if the date account opened is incorrect and could not be verified, the date of last delinquency could not be verified. My request to the credit bureau is that I do not receive an automated response as I would like an actual human to answer these questions as to why there is something legally reporting on my credit. I am in the process of buying a home and I have been delayed tremendously due to this which has caused me a higher interest rate on my home and an overall terrible experience.

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 2022-04-14 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:
My initial contact with XXXX and Transunion was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and Transunion sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, XXXX XXXX and Transunion.

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 2022-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My initial contact with Experian and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. Experian and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX  on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this Experian, XXXXXXXX XXXX and 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 explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I sent my mortgage payment in the amount of {$180.00} on XXXX to Fay Servicing. Fay Servicing LLC sent the payment ( my check ) back stating that account was in active pre foreclosure or foreclosure status on XX/XX/XXXX. I called Fay servicing on XXXX and was told I had an attorney and they could not speak with me. I do NOT have an attorney and had they checked the Bankruptcy records and properly documented the account they would see I can represent myself. By their own statement it showed I was current and paid ahead until XX/XX/XXXX and that the balance due for that payment was only {$65.00}. Fay took my previous XXXX payments from XX/XX/XXXX without issue. Fay Servicing took over servicing of this loan around XX/XX/XXXX. I NEVER had a problem with making payments over the past almost 7 years with the previous servicers. I am concerned Fay Servicing is dealing in deceptive practices forcing on time borrowers into foreclosure by their, Fay Servicing, own doing. I might suggest that Fay Servicing provides evidence as to how many other people they are sending back payments on to put them in a delinquency scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Mailed a debt validation letter to company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Received a letter in the mail stating account was validated with no proof of copy of the written agreement that created my original requirement to pay, did not provide verification and documentation about why this is a debt that I must pay such as last billing statement or any documents with my signature. I sent a follow up letter to the company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Company failed to respond. Checking my XXXX credit report this company has added a collection to my report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 for the same account.

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 2022-04-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.

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 2022-04-14 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: NY

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NY

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.

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 2022-04-14 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions!

15 U.S.C 1692k - Civil Liabilities!

Sun loan - This account should not be on my credit report, reporting improperly. 
XXXX XXXX XXXX XXXX never gave written consent to report this! 
XXXX XXXXXXXX XXXX - reporting illegally and improperly XXXX XXXX XXXX  - XXXX - reporting illegally and improperly, this account has already been removed from other bureaus!

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 2022-04-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -SYNCB XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Im filing this complaint against AMEX Blue Catd. For the past two days, I have been dealing with Amex customer service folk on a very unfortunate issue. Back in XXXX, I was a few days late with my payment. A month later, my intrest rate was reset to 29,9 %. I was shocked, saddened and angered after speaking to Amex staff about this matter. They recognized my excellent payment history and over 50 plus year relationship with them. Amex never notified me of this ridiculous interest rate change and seem very sheepish in wanting to address it in a constructive manner. I made it very clear on the phone with Amex that my XXXX bill statement was paid but you still went ahead reset my intrest rate. I find this to be absolutely criminal as we come through a global pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is a re-submission of a complaint I made over 30 days to TransUnion via this complaint process ( XXXX ). TransUnion has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate TransUnion to correct the problem. 

Since XX/XX/XXXX, I have written three certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the CPW account on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect date of last activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History This account needs to be deleted immediately due to inaccuracies and clear FCRA 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