vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi on XX/XX/2022 I got the capital one venture XXXX XXXX, On the XXXX I see that Capital One shut my account, but did not give me back the {$390.00} annual fee, on XXXX XXXX 2022 I called and they said that Im going to see it back within 10-15 business days, on XXXX XXXX 2022 I called back and i was told that the annual fee of {$390.00} doesnt go back. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Since XXXX XXXX I have been consistently paying off my American Express balance at about $ XXXX a month after having gone through a unexpected emergency which saw my credit pushed to its limits. I never miss payments and XX/XX/XXXX was the first month Id ever failed to pay of the previous balance. 

Since then the balance on my account has been steadily reducing and my credit score been improving. Before making my payment last month to American Express I took advantage of their Plan It program offer reducing my overall balance and setting my minimum payment for about XXXX of my overall balance to XXXX  monthly. That was the XXXX of XXXX. 

On the XXXX of XXXX, I opened an email from American Express saying they were going to lower my credit limit if I failed to pay them {$1500.00} in three days. Having just 5 days earlier given them {$1000.00} for my due date I thought the email must be a scam. I checked my account messages and found nothing so I forgot about it. A week later I received another email saying they had indeed lowered my limit by {$4000.00}. Over double the amount my balance was reduced due to the Plan It option. Essentially raising my credit utilization more than it had previous been. 

When I contacted Amex about this issue I was first fed some lip service about why my limit had been reduced and then offered two options for resolution. The first an appeal, which was explained could be denied, or another guaranteed option for reinstating my limit paying them XXXX by mid XXXX. That is extortion. Plain and simple. 

This company who has, without fail, been paid every month, almost always above the min, offered my account an incentive to pay some charges over time ( for a fee! ) and then tried to extort another large sum payment after Id agreed to a XXXX minimum for a part of my balance. I had/have every intention to continue to pay far over any min, as I need to find a new apartment in the upcoming months and now will struggle to do so due to a reduction to my limit, affecting my credit score. 

Blatantly greedy, especially when the program is suppose to be a lifeline to those who could really use more time to pay off there balance. Please beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.

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 2022-04-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Im contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.

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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX AM I added {$250.00} cash to my PayPal cash card at a Dollar Tree located at XXXX XXXX XXXX XXXX, NY ... Then I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, NY, and made a purchase for the amount of {$180.00} at XXXX PM on XX/XX/XXXX. At XXXX PM while sitting at HOME I received a notification from PayPal stating that an ATM withdrawal for the amount of {$73.00} was removed from my card at BEST XXXX XXXX XXXX XXXX XXXX, NY XXXX I DID NOT MAKE THIS TRANSACTION!!!! 
NO ONE HAD MY AUTHORIZATION TO MAKE THIS TRANSACTION!!!!!!! 
MY CARD WAS STILL IN MY PURSE WHEN THIS TRANSACTION TRANSPIRED!!!!!!!!!! 

At XXXX PM I called PayPal to report this unauthorized transaction! I was told by my card is being canceled, and the transaction will be investigated. 
On XX/XX/XXXX I received a message from PayPal stating that my claim was denied. 
I then call back and was told, I need additional documentation to prove that I did not make the transaction. 
On XX/XX/XXXX I filed a police report. I contacted PayPal I spoke to a representative letting them know that I filed a police report. I was sent instructions on how to appeal the case in my personal inbox with PayPal. after following the instructions, I was still unable to appeal my case so I called in again!! I explained to him what the prior representative told me to do, and was told that I need not do anything he will take care of everything. 
On XX/XX/XXXX I received a notification from PayPal denying my claim again!!!! 
I called in AGAIN spoke to a representative that sent a link in my private message box to upload my police report and stated it will be used to appeal my case!!!!! I uploaded the XXXX XXXX XXXX Confirmation on XX/XX/XXXX. 
But XX/XX/XXXX I received a call from a PayPal representative stating that a police report will not be accepted as verification!!!!!!!!! 
I told her what was told to me by the prior representative, and to check the messenge box to see the message of the prior representative. She repeated that a police report is not sufficient, I sent me a message in the same message box which all the other representatives have sent me messages about my claim!!!!! 

After being with PayPal for eight years without any issues I am getting the runaround, without any type of HELP to SOLVE this FRAUDULENT PROBLEM!!!!!!!!!!!! 

I can provide documented proof of everything that I have stated in my complaint!!!! 

PLEASE HELP!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NV

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
The credit bureaus XXXX, XXXX XXXX and XXXX are receiving correspondence for the below actions from KLS Financial Services to reported on my credit file illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then KLS Financial Services continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.

KLS FINANCIAL SERVICES, Last reported XXXX XXXX, XXXX {$480.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual KLS Financial Services has put a Medical Collection on my credit report which is also A HIPA violation. I have never signed a release for this creditor ( KLS Financial Services ) or any creditor. Therefore, this is an inaccurate HIPA violation and I want these removed immediately. HIPA laws protect my personal information without my consent and KLS Financial Services have been aware of these HIPA violations and has been asked to delete immediately. They are many XXXX violations of up to XXXX per violation and I will pursue recovery if these violations if these collections are not met with a satisfactory resolution. Delete Immediately

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MS

Complaint narrative:
As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus.

1. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NV

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXXXXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 

2. CollectioXXXX account name : XXXX XXXX  XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


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 non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXX XXXX  Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


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 2022-04-27 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}

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 2022-04-27 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: VA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}

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 2022-04-27 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: VA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I had XXXX late charges on XXXX XXXXXXXX accountthis was a mistake and was also under the cares act stated must be rmoved during this time, ive contacted XXXX XXXX twice with letter, and i always get a computer generated letter with the exact wording sent backive always on beentime before this and after, ineed this off.been about a year 1/2now

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