vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
XX/XX/2022 I sent out a letter to the credit bureau Experian asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I received an email that my account status was ready. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation. 

XX/XX/2022 is when I placed a report to the cfpb to Experian for the inaccurate accounts and on XX/XX/2022 they responded back by confirming that the accounts was 100 % accurate and that they will not reinvestigated the accounts that are inaccurate unless I have proof of inaccuracies. Which I have shown them but they are choosing not to look into my accounts at all. The accounts still has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. So how is it 100 % accurate if all of these are not matching up with the other credit bureaus? I have been disputing these accounts for months now and they are not properly looking into the accounts at all. The attachments below show that they are not doing there jobs at all.

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 2022-10-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXXXXXX XXXX ) XXXX Account 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 2022-10-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CRED Technologies dba cred.ai
State: TX

Complaint narrative:
I deposited a government issued check into this account on XX/XX/16 XXXX. The company ( cred.si ) says that they received it by mobile notification and email. They say it will be deposited in 3 business days but they will send a notification if it takes longer. I have not gotten any notification. I call the company and they are unable to find the deposit and I cant re-deposit in another bank until they figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TN

Complaint narrative:
XXXX. XXXX and Experian is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

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 2022-10-26 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: FL

Complaint narrative:
XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and TransUnion, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX  XXXX. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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 to whom the report relates.

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 2022-10-26 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: FL

Complaint narrative:
XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, Equifax and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX XXXX company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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 to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: FL

Complaint narrative:
XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across Experian, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX  XXXX. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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 to whom the report relates.

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 2022-10-26 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:
XXXX XXXX  XXXX, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

XXXX XXXX XXXXXXXX can't continue doing what they are doing. 

Thanks

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 2022-10-26 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:
Bank XXXX XXXX, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

XXXX XXXX  XXXX can't continue doing what they are doing. 

Thanks

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 2022-10-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I check my credit report every day and I checked my report on XX/XX/XXXX to find out XXXX  XXXX and Barclays bank has added 3 inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for XXXX  XXXX or Barclays bank and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all

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 2022-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I check my credit report every day and I checked my report on XX/XX/XXXX to find out capital one and XXXX XXXX  has added XXXX inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for capital one or XXXX XXXX and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This is a general issue that I notice with most if not all consumer credit card statements. I have various multiple credit cards where I shop and I have them only to use the rewards and discounts I receive. I pay them off in full when due. The problem is the statements include no detail as to my purchases. Often there is as much as a month or more between purchase date and statement receipt. While I receive numerous pages of useless information and advertising with the statement, other than the date of purchase, and location, I receive no description of the products purchased. I really can't remember oftentimes specifically WHAT I purchased. Certainly the barcodes contain this information and it shouldn't be that difficult to include it. I often wonder if I'm paying for what I actually purchased. Can you help?

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I opened a credit card account with Avant with terms advertised as {$1500.00} limits. I agreed to and opened the account with Avant doing a hard check on my credit. On XX/XX/2022, Avant reduced my credit limit to {$300.00}. Less than 3 months after opening my account, without cause or any changes to my income, employment, or enough time for Avant to evaluate my spending habits, my credit limit was reduced by 80 percent. 
I believe Avant is practicing misleading advertising to entice consumers to sign up for their credit cards, causing hard inquiry on consumer 's credit reports, and after sign up reduce consumer 's credit line to mitigate their risks. 
Avant did not state anywhere on their mailer nor their credit card agreement with me that they will reduce my credit limit after less than 3 months. Had I known this, I would not have sign up for their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I am a small business. Myself and one employee. I take credit cards for payment. I service and repair just XXXX cars. XXXX of XXXX I did service and repair to a XXXX XXXX that was towed in XX/XX/XXXX and picked up XX/XX/XXXX. Owner paid with a credit card, signed the credit card receipt and agreed to the charges. 
I had a couple of conversations afterwards with him about additional repairs we recommended and gave him advice on having that done. 
With no warning, no request for reimbursement, no dispute of charges by the owner, I received a letter XXXX mail. From Fiserv merchant services .on XX/XX/XXXX dispute Notification. Requesting my response. I contacted and talk to someone familiar with the dispute at the phone number on the letter. on a recorded phone line. I was asked to send in my repair tickets, credit card receipt, and a detail of disputing the charge back. I was requested to send this XXXX mail to a post office box on the letter. I did sell the same morning XX/XX/XXXX. On XX/XX/XXXX I called as I had not received any reply that it was resolved. Or additional information requested. And was told they had not received the letter that was mailed out the day I got the letter XX/XX/XXXX. They asked me to resend it by fax. I did so twice that day XX/XX/XXXX. On XXXX XXXX I called again. And was told they closed the case because I did not respond by XXXX XXXX as noted on the dispute notification. I tried to dispute that they did get a response on XX/XX/XXXX on a recorded phone line. The letter does not say it Hass to be only in writing for the deadline of a response. I dispute that they did not receive a letter sent XXXX mail on XX/XX/XXXX to there post office box. They acknowledged it was postmarked XX/XX/XXXX but claim did not get it by XX/XX/XXXX. 
Please help the Fiserv merchant services is stealing {$1900.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: PA

Complaint narrative:
I have gotten repeated calls from this collection agency -- -I called this number back but the person on the other end hung up on my because I would confirm personal identifying information. I told her I had a attorney and that person hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
This is regarding an existing issue with transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-10-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX Barclays sent me an email offering a promotional 0 % APR. I accepted this the same day, well before the deadline to accept of XX/XX/XXXX. After checking over the next week, I couldn't find this offer reflected anywhere on my account. On XX/XX/XXXX, just to confirm I asked a customer service rep with Barclays AA Advantage Mastercard to check my Interest Rate and they showed it as a whopping 22.99 %. The interest rate isn't listed anywhere on the home page, so it would be easy for someone to assume the offer they opted into ( which Barclays AA Advantage Mastercard website showed I had accepted ) was valid. 

Offering someone 8 months of 0 % APR and instead charging them 22.99 % could cost someone a LOT of money.

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