vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: IL

Complaint narrative:
I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( XXXX ) Tracking # XXXX ( Transunion ) Tracking # XXXX ( XXXX ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX 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 2022-11-09 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: World Acceptance Corporation
State: KY

Complaint narrative:
I submitted a dispute earlier this yr regarding my balance showing incorrect on my report, ever since I've filed that dispute, they've illegally reported higher balances on my credit report several times. The original debt is XXXX, they've hiked it up little by little to where it is hurting my credit score. They are trying to force me to contact them when I don't have to u less I absolutely have the funds which I don't. But to keep updating my balance to a false amount is not right. It's literally been at XXXX for years since 2017 I believe and now it's going up AFTER filing a dispute. It seems like they've decided to find a way to retaliate and that's not right. If I'm broke I'm brokeXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They need to fix this because it's hurting my credit no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXXXXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
This account was dispute and removed off my report on XXXX to XXXX with XXXX XXXX XXXX  for {$730.00} upon checking my report Sunrise Credit Services has reinserted this account without my knowledge i dont have a contract with this company and im requesting removal and my attorney is now working on this case

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 2022-11-09 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Once again, American Express advertises {$200.00} off a XXXX XXXX when using your American Express XXXX XXXX and staying at one of their Hotel Collections ( for a minum of 2 nights ). Please see attached. 

I did just that. Using my American Express XXXX XXXX ending in XXXX. I was told by American Express I could use either the business or personal AMEX card. The advertising on their website also states " XXXX XXXX XXXX ''. Nowhere in the ad does it state it must be one or the other.

But in the deceptive and corrupt ( systematic ) way, American Express is now telling me they will not grant the {$200.00} discount. 

What is going with all the deception?? Why is American Express constantly deceiving consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-11-09 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: NC

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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 ( 4 ) There is a need to ensure 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. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-09 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:
One of the accounts held by XXXX now is fraudulent and was not opened by me or with my consent. I have an account which shows paid on time and in full with XXXX now which is valid, however there's another at a later date which is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
One of the accounts held by XXXX XXXX is fraudulent and was not opened by me or with my consent. I have an account which shows paid on time and in full with XXXX XXXX which is valid, however there's another at a later date which is not.

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 2022-11-09 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:
On XX/XX/XXXX I submitted a dispute to Equifax to remove a fraudulent item on my credit report for XXXX. After several attempts and various documents submitted and a call to the FL Attorney General 's office I was able to have this item removed. The issue is that Equifax has reported a blanket dispute remark on my open and valid accounts for XXXX ( XXXX and XXXX ). On these XXXX items it now states - Consumer Disputes Reinvestigation in Process. I was supposed to close on a mortgage today but now that these remarks are on my report I am not able to close and may lose out on the house. I have called Equifax and asked them and begged them to remove this wording immediately because they reported those disputes to those accounts erroneously. They refuse to remove the wording immediately and stated it will take XXXX business days even though I NEVER disputed those XXXX XXXXXXXX XXXX  I am beyond frustrated, I am living in a hotel because I was supposed to close last week, now was supposed to close today ( XX/XX/XXXX ) and now I may not even close on this home at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: AR

Complaint narrative:
One of my loan servicers is XXXX. They report to credit bureaus if a borrower is 90 days past due. I always keep a careful watch on when I may become delinquent. I was especially careful this year because I was going to consolidate my loans under the PSLF loan changes. A company, called Ascendium calls on behalf of my loan servicers to tell me about my options. They are not my servicer and they do not ask for payment. They have all of my personal information and say they trying to collect a debt. On XX/XX/XXXX I received a called from someone with Ascendium letting me know I needed to take action on my XXXX and XXXX student loans. They told me they would make everything current with my account, though the calls from my servicers might continue. I also received a form about income-based repayment. I even have an account number with Ascendium : XXXX. I complete the consolidation form and submit my PSLF to XXXX. Yesterday, XXXX reports that I am more than 120 days delinquent on several student loans. I told them about Ascendium and that I should be current. My credit score dipped XXXX points because of this. I want this off my credit score. I trusted Ascendium at their word and thought I would be brought current on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, a buyer wanted to buy my set of wheels I was selling ( {$2200.00} ). The buyer then asked for my email to send the money. Once he said that he sent the money, he was told that my account needed to be upgraded into a business account so he paid an additional {$500.00}. I was then told to send him {$500.00} back in order to release the money that XXXX was holding, so I did. Then i was told to send another {$500.00} to release the money. After all that I tried to reach out to them but I think they may have blocked me.

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 2022-11-09 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: IL

Complaint narrative:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2022-11-09 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: GA

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09 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: GA

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 I am filing this complaint for 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 2022-11-09 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:
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09 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: TX

Complaint narrative:
the U.S law U.S code title 15 Commerce and trade chapter 41 a consumer credit protection sub chapter XXXX credit reporting agencies which that refers to EQUIFAX subsection three credit reporting agencies 1681 B you have a title that says permissible purposes of consumer reports there's two permissible purpose for a credit reporting agency to be reported if you go to the first one it says in response to the order of a court having jurisdiction to issue such an order or a subpoena issued in connection with proceedings before a Federal grand jury we don't have that situation, the second issue is in accordance with written instruction of the consumer to whom it relates I'm this consumer you're reporting stuff on my behalf and you do not have written instruction from me. I am a well informed consumer, all correspondence is being recorded for future evidence purposes. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$35.00} XX/XX/XXXX These accounts violate my rights, they have also been factual data disputed several times which you have ignored see attached documents. I have taken the liberty to point out over 11 violations that your company has committed. Im not asking but telling you remove or Notice of lawsuit for damages, and attorney fees will follow.This has kep me from owning a home and tremendous stress. 
Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proof of your violation and lack of investigation from previous dispute through CFPB will also be used as evidence file numbers are ( XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-11-09 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was advised by XXXX that a collections account has been added for a utility account I never authorized. I have never lived in XXXX XXXX ever. I spoke with XXXX XXXX from Convergent Outsourcing who advised an account was opened up using my SSN and DOB for the property address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX for XXXX XXXX XXXX and the email address used to open the account XXXXThe amount of the debt is now at XXXX XXXXXXXXConvergent account number is XXXX. 

Credit Agencies have been advised and my credit is now frozen and a fraud alert is now on all 3.

Company response to consumer: Closed with explanation