vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This has been a 2 year ordeal dealing with credit bureaus I have tried numerous times requesting XXXX, XXXX XXXX, and Experian to update their database because my profile has numerous inaccuracies and they still have not been able to provided a fully detailed credit report with the corrections I requested. I demand that ALL negative remarks be removed from my credit report ASAP. This is a violation of my rights under 15 USC 1681a ( d ) ( 1 ). If this matter is not rectified I will be forced to file a Lawsuit.

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED
State: GA

Complaint narrative:
A XXXX XXXX XXXX provided gutter cleaning to a home I previously owned but they billed me. We were able to resolve via email that I did not owe the debt, however, the debt was still sent to a collection agency ( NCSPlus ) and they subsequently added it to my credit decreasing my score by XXXX points. 

A XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX NCSPlus XXXX East XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX EMAIL XXXX TELEPHONE ( XXXX ) XXXX ExtXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute and request the removal of several unauthorized hard inquiries from my credit report. The inquiries in question are as follows : XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX card inquiry dated XX/XX/XXXX XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX inquiry XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute and request the removal of several unauthorized hard inquiries from my credit report. The inquiries in question are as follows : XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX XXXX inquiry dated XX/XX/XXXX XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX inquiry XXXX XX/XX/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 2024-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Went into Check into CashXXXX XXXX XXXX in XXXX California agent took most of my personal information, became rude when I told him I have no cell phone and challenged me to a fight. He said to " come back at XXXX XXXX and we could talk about it outside '' Said he was in military. I was furious he challenged me a XXXX year old man to a fight. I left without getting a loan while he got my personal information SS Number etc. Asked to speak to a manager and when they would be available, was told he " could not give out that information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: IL

Complaint narrative:
Preferred Credit Inc. reported false debt on my credit report. They have sent letters, emails, and called excessively. I contacted them and explained it was not my debt. They sent a copy of a contract that did not contain my signature. I informed them of the discrepancy with no corrective action taken on their behalf. When I disputed the false debt on my credit report, they provided the same false documentation to the credit agency. This resulted in the derogatory not being removed from my report. I have never and will never do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have notified Amex of a fraudulent account. 

The address and phone number used to open the account is not my information. 

I am providing a copy of my drivers license. 

American Express is not responding appropriately to these complaints they just continue to send a copy of the statements that they were sending to a wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I joined a school to get certified in XX/XX/XXXX which was for a year and until XX/XX/XXXX, XXXX agreed to have automatic billing of {$91.00} per month. I am disputing these charges because I dont have my certification and that is what I signed up for. For XXXX months I have been trying to resolve this as I filed a dispute in XX/XX/XXXX after contacting the school over XXXX times with no resolution or certification. To start when I joined the school I was told that I could cancel anytime as long as certification was not received and that I wouldnt get reimbursed for the months already billed. I tried to cancel within XXXX month if joining because when I joined u was told it would be a live person and training. I was not informed it would be online and no hands on, when the school wouldnt refund my money I proceeded to get my certification until I came across nothing but obstacles. I was locked out of my portal, I was charged without authorization for something called extensions when I dont know why extensions where needed as the year hasnt come up until XX/XX/XXXX. The school allowed me to take my pre quizzes XXXX night right before I was gon na take the certification test and after my pre quizzes I proceeded to take the certification. To find out I was locked out in XXXX spot, it said cancelled in another spot and it said I had to reenroll in another spot. Why did they allow me to take and access everything but my certification, after XXXX attempts of contacting the school, I had no response and had to dispute because I paid and need my certification. My credit card company gave me XXXX hours to send them documentation which wasnt enough time as I have proof and I needed a couple days. They agreed to give me a couple days and then closed the case not in my favor. I faxed them XXXX pages within the XXXX days which they neglected to look at and now XXXX irate because they told me I received the services I paid for and if they looked at my documentation they would see they are incorrect. I tried uploading the documentation in this portal but it was to large. Vey credit card company confirmed they received my documentation and they have lied to Me and keep telling me the case is reopened but there are no provisional credits. Why is someone like me getting screwed and why is my credit card company not doing their investigation properly. I have NO CERTIFICATION AND HAVE NOT BEEN ABLE TO OBTAIN, XXXX OUT {$1000.00} and THIS HAS MESSED UP MY LIFE AND CAUSED ME MIRE STRESS THEN I CAN TOLERATE

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I looked up my XXXX XXXX on XXXX XXXX like i always do on XX/XX/year>. I saw a hard inquiry on my account from Capital One. I tried to call the number on credit karma and they wanted a card number which I do not have due to not having an account or even wanting to open an account with Capital One. So I looked up the customer service number to try to get more information on it and the guy I spoke to XXXX sure what I was asking about. He said to speak to anyone on why Capital One has a hard inquiry on my account I needed to call the Credit people of which the account was posted and then I asked for more information and he said give me XXXX moment and I waited for XXXX minutes for a response from him and then the call just ended. So i called the Credit place and they helped me out but first they said i should call Capital One which i had already done and i told them that. I have no tried or am not wanting to open an account with Capital One. I recieved an email from them this morning saying they cant approve my application but i havent even applied for anything with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was In XXXX for over XXXX XXXX and got out and find out somebody try to get credit and loands under my name as fraud

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 2024-03-14 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian : Account name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602A. Stated I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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 about whom the report relates.

15 USC 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 USC 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. 
According to XXXX XXXX XXXX 1997, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 5-2 Says you, Exeter Finance Corp , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-03-14 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 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 2024-03-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am writing to file a formal complaint against American Express regarding multiple gift cards I received from my employer. The cards, issued by American Express, have proven to be entirely unusable, leading to significant financial inconvenience and frustration. 


Details of the complaint : Inaccessibility of Funds : Despite being marketed as widely accepted, these virtual American Express gift cards have been consistently declined across various platforms. I have attempted to use them for online purchases, in physical stores including restaurants and grocery stores, and even with digital payment services like XXXX XXXX, only to face rejection each time. 


Inadequate Customer Support : Upon contacting American Express customer service for assistance, I was met with a lack of resolution. Representatives were unable to provide guidance on where the cards could be used, and they offered no viable solutions to address the issue. Despite the company 's claims that these gift cards are accepted anywhere that takes American Express, the reality has been starkly different. 


Refund and Transfer Restrictions : American Express has failed to offer any meaningful resolution to this problem. They have refused to transfer the balances of the XXXX unusable cards or provide refunds. Moreover, the restrictions imposed on charging too close to the total card balance only exacerbate the problem, leaving me effectively unable to access my funds. 


False Advertising and Consumer Harm : The misleading advertising of these gift cards as universally accepted American Express cards has resulted in financial harm to consumers like myself. This system appears designed to exploit consumers, holding their legal tender hostage while offering no viable solutions. The lack of transparency and accountability in this matter is deeply concerning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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