vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2023 I made my normal minimum payment of {$450.00} this payment was made before 30 days of being late. I happen to call 6 days later they told me my payment was 36 days late and I said I made the payment on XX/XX/2023... They proceeded to tell me this month your min payment was {$450.00} so a {$1.00} is 36 days late. No one gave me a courtesy call and they are accessible to my savings account which states in writing they are okay to deduct any payments needed to fulfill any credit card or loan payments.. Which happened the day that I made the call they easily deducted the {$1.00} that was missed. Not to mention I have never been 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Hello I paid this line of credit off during the closing of my house, they charged a late fee after the closing. I believe the account to be closed so I had no idea I was charged this fee. The account was sent to collections for a {$60.00} fee. The collection agency refuses to remove the item I've sent my closing statement proving title got the payoff amount and paid the debt at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MO

Complaint narrative:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.

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 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.

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 2023-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
i contaceted the XXXXXXXX XXXX XXXX and they wont do anythine to fix they said it is auto type reporting and in a few months it will be fixed? underwriters handle this only this XXXX XXXX XXXX XXXX XXXX i am send you thir statement under the name XXXX bank card thay take the payment out of my bank under the name XXXX XXXX wont even talk to me i called

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 2023-03-17 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: AL

Complaint narrative:
XXXX Account # XXXX In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. Experian said this account were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
Upon reviewing my updates, the incorrect information were found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/

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 2023-03-17 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:
Upon reviewing my updates, the incorrect information were found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XXXX  XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Credit management bought a debt from a XXXX  account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have XXXX XXXX  and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of XXXX. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that Midland Credit Management had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.

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 2023-03-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My credit card ( Master charge ) was charge on XX/XX/XXXX in the amount of {$6100.00}. 
On XX/XX/XXXX, by a company called WF WAYFAR I found this charge and immediate I contact the Bank ( CITIBANK ). and fill out a dispute to this charges., I was told by them that they will deal with the merchant, I have not use this card since XX/XX/2022. I was very surprised that i did not receive any alert to this charge considering the high amount of charges. 
I also call the merchant and they told me they will do an 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 monetary relief
Consumer complaint received 2023-03-17 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: OH

Complaint narrative:
I obtained {$100.00} rewards with this credit card. When i redeemed it, i received {$1.00}. Bread Cashback bank is aware of the problem but they keep extending when this problem will be fixed. Now they don't even answer the phone anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
No proof of debt. Only sending lease and IP address signed. What is debt for? What are charges for? All rent was paid in full. This debt is also roommates not my own, photo proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account open date XX/XX/XXXX have a account with : XXXX XXXX  XXXX  # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item 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 2023-03-17 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: IL

Complaint narrative:
A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXX last XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account open date XX/XX/XXXX have a account with : XXXXXXXX XXXX XXXX XXXX XXXXXXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.

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 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Two complaints. Amex is changing my interest rate retroactively on older purchases. I understand they can raise my rate at any time, but that should be the new rate on new purchases. They are changing my rate on old balances, which feels like it should not be allowed. The second, larger complaint. They have explained to me that because I am carrying a balance, I am being charged interest on purchases I make today ... starting that day. My understanding is that you get charged interest on balances that you carry over to the next statement period without paying off. They are telling me that if I make {$1000.00} of purchases, make a payment for {$1500.00}, meaning I paid for all my current purchases and paid down {$500.00} toward the old balance, I still got charged interest on the {$1000.00} of current purchases that were paid in full prior to the first payment due date after the purchases were made. If that is legal, it should not be. That is predatory. You should not be able to charge someone interest on purchases they pay off the first time you ask them for money. If I have a statement balance of {$1000.00}, and I pay {$990.00} and leave {$1.00}, I should get charged daily interest only on the {$1.00} remaining balance ; not every single purchase I make from that point forward until I pay the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MD

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MD

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-17 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:
Credit reporting agencies showing the wrong addresses for me I only have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
Fraudulent Accounts On Credit Reports 1. XXXX XXXX XXXX {$1800.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXXXXXX {$6200.00} 4. XXXX XXXX XXXXXXXX {$2300.00} 5. XXXX XXXX XXXX {$3700.00}

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 2023-03-17 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: PA

Complaint narrative:
Fraudulent Accounts On Credit Reports XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$6200.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NY

Complaint narrative:
My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NY

Complaint narrative:
My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, Transunion, XXXX, XXXX, and XXXX and they refuse to remove the invalid bankruptcy on my 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 2023-03-17 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: GA

Complaint narrative:
Look at the attached documents. I want the bureau to start the investigation on these accounts that I'm never late for but they're reporting me as late

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