vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing to formally address a persistent issue following the closure and payment in full of my American Express Gold card in XXXX XXXX Despite the closure of the account, I have been continuously receiving unwarranted calls and encountering erroneous charges purportedly associated with usage fees on a card that was formally canceled and closed. 

I have diligently engaged in multiple discussions with representatives, all of whom assured me that the erroneous charges would be rectified and confirmed the closure of the aforementioned card. Regrettably, these efforts have not led to the cessation of these unwarranted communications and charges. 

This situation has become increasingly burdensome and has caused significant inconvenience. I am compelled to express my deep dissatisfaction with the ongoing nature of these issues, despite my repeated attempts to resolve them. 

I kindly request an immediate and definitive resolution to this matter. Additionally, I seek assurance that no further charges will be levied on an account that has been officially closed and settled. 

Please treat this matter with urgency and provide me with a comprehensive resolution within a reasonable timeframe. I appreciate your prompt attention and cooperation in addressing this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Lac Courte Oreilles Financial Services II
State: GA

Complaint narrative:
they said i was approved for XXXX dollars told me my monthly payment all they needed was to have access to my account so i game them my account information my pass words everything they ask for as soon as they had the information they said i was not approved a bunch of liars is all they are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: GA

Complaint narrative:
mrs associates is trying to collect debt from XXXX of Account info {$640.00}. I have been sentenced to XXXX XXXX XXXX XXXX   and can not pay. I want to negotiate and pay b before XXXX  XXXX XXXX XXXX for {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
XXXX, Experian, and XXXX are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that XXXX, Experian, and XXXX provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 00:00:00
Product: Credit reporting 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:
See attached items I'd like all of these item 's taken off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting 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:
See attached items I'd like all of these item 's taken off of 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 2023-12-07 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: PR

Complaint narrative:
Dear credit Bureau To whom it my concem This letter Isa formal complaint that you are reporting inaccurated and imcoplete credit imformation una distressed that you have include the imformation below my credit profile and that you failed to maintain reasonable procedudures in your operation assure mximum posible accuracy in the credit report you publish credit reporting laws ensure that Bureau report only 100 % accurate credit imformation every step must be taken to assure the imformation reported is completely accurate and correct the following imformation needs to be re investigated XXXX XXXX XXXX XXXX I respectfully request to be provide proof of this tem specifically the contract note or other intrument like my signature Failling that the tem must be deleted from the report as soon as possible the listed tem is entirely inaccurase and imcopleted and as such represents a very serios error in your reporting please deleted this misleading imformation and supply a corrected credit profile to all creditor who have received a copy within the last six months or two last year for employment purposes Additionally please provide the address and telephone number or each credit granter or other subscribir Under federal las you have thirthy ( 30 ) day to complete your re-investigation be advisef that the description of the procedure used to determine the accuracy and the completeness of the imformation is hereby requested as well to be provide within fifteen ( 15 ) day of the completion. of your re-investigation Sincerely XXXX 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 2023-12-07 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: FL

Complaint narrative:
XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/23

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 2023-12-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/17 my credit card was charged {$570.00} at XXXX XXXX XXXX When the funds were not deposited to the merchant 's checking account, an email was sent to obtain the status. The attached emails show the response from WePay which processes transactions for Chase Bank. The merchant was told that the merchant account had been closed and that the funds minus their processing fee would be held for 120 days. The merchant requested that the transaction be reversed and refunded to my credit card account. I accompanied the merchant to Chase Bank and asked that the transaction be reversed. The bank employee called and was told the same thing that is located in the emails. 

Right now, WePay is still holding the funds. Emails from Chase to the merchant are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been going back and forth with all three consumer reporting agency 's Transunion XXXX and XXXX regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XX/XX/XXXXXXXX XXXX XXXX original amount {$750.00} current {$990.00} Date XXXX XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XX/XX/XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been going back and forth with all three consumer reporting agency 's XXXX Experian and XXXX regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XXXX XXXX XXXX original amount {$750.00} current {$990.00} Date : XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07 00:00:00
Product: Credit reporting 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:
I recently got a credit report on free annual credit report and saw a fraudulent account reporting on my credit. I contacted the company on XX/XX/2023 and they couldn't verify any information that tied to this fraudulent accounts. I called the credit bureaus on XX/XX/2023, and i was told to get a FTC report. XX/XX/2023, i mailed the documents with my Drivers license and Social. I still havent got any corresponding from them. This is causing alot of stress.

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 2023-12-07 00:00:00
Product: Credit reporting 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:
I recently got a credit report on free annual credit report and saw a fraudulent account reporting on my credit. I contacted the company on XX/XX/2023 and they couldn't verify any information that tied to this fraudulent accounts. I called the credit bureaus on XX/XX/2023, and i was told to get a FTC report. XX/XX/2023, i mailed the documents with my Drivers license and Social. I still havent got any corresponding from them. This is causing alot of stress.

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 2023-12-07 00:00:00
Product: Credit reporting 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:
I recently got a credit report on free annual credit report and saw a fraudulent account reporting on my credit. I contacted the company on XX/XX/2023 and they couldn't verify any information that tied to this fraudulent accounts. I called the credit bureaus on XX/XX/2023, and i was told to get a FTC report. XX/XX/2023, i mailed the documents with my Drivers license and Social. I still havent got any corresponding from them. This is causing alot of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit of my payroll check in the amount of XXXX into my capital one checking account. Before the deposit was made it said funds available the next day. After the deposit was made is said funds available XX/XX/XXXX. Then I got an email about the hold until XX/XX/XXXX, then a second email saying it would be released XX/XX/XXXX. I called on XX/XX/XXXX about the hold and a manager said funds would be available on XX/XX/XXXX. My online acct also says XX/XX/XXXX. On XX/XX/XXXX I called because the funds are not available and am being told XX/XX/XXXX regardless of what the email or my online acct states funds will not be release until XX/XX/XXXX. The bank has given no explanation other than saying XX/XX/XXXX means at XXXX on the XXXX which is actually XX/XX/XXXX after XXXX  on the XXXX. Then I was told it was because Im in central time zone and they are eastern time zone and technically it will be XXXX my time XX/XX/XXXX when funds are released. That seems a bit insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
They keep calling from different numbers and sending text messages. Ive never had a signed contract with that company and never heard of them. 

NO SIGNED CONTRACT

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 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westcreek Financial
State: FL

Complaint narrative:
A loan for car repairs was taken out without my consent by the owner of the body shop called XXXX XXXX XXXX XXXX XXXX. This occurred on XX/XX/2023 for the amount of {$2800.00}. I reached out to my bank due to an unauthorized transaction of {$550.00} from the lending company, Koalafi or AKA West Creek Financial. I called Koalafi and explained how I did not give consent for any loan to be opened. Also, I did not sign anything or see any paperwork in reference to this loan. The owner of the body shop inputted all my info without telling me about the loan, the terms/ conditions, and most importantly he forged my signature. I never signed anything. The rep said she was going to contact the body shop and then contact me. That never happened. I filed a police report for the fraudulent activity, I also filed a complaint to FTC. Lastly, I filed a dispute with XXXX. Ive done everything in my power to notify the correct agencies about this fraud and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with PENN CREDIT CORPORATION, they did not provide me with the original contract with my signature as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank reopened my credit card account without my consent, posted an annual fee of {$110.00} and then harassed me daily to collect it. 

I closed my credit card account with Citi over the phone in XXXX and confirmed that the annual fee would be waived and there was {$0.00} balance on the account. I then started to get automated collections calls every single day about an over due balance. I spoke to a representative several times and they assured me that the account was closed and that the annual fee would be waived. 

Finally on XX/XX/XXXX, I asked for a cease and desist and that they stop contacting me about my account. They then informed me that a credit card was reissued after I requested my account me closed in XXXX and it was in fact re opened without my consent. When I asked to formally close my account again and for written email confirmation of what was discussed on the phone and confirmation that my account was closed with a {$0.00} balance the representative on the phone told me that she would not provide that and a letter would be mailed in 7 - 10 business days.

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 2023-12-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had an account with XXXX. 
( account # XXXX ) on XX/XX/2023 I paid and settled this account. Since this payment was made my credit reports reflected the status of this account as Paid in Settlement. On XX/XX/2023 there was a dispute with this account. After the dispute the status of this account was changed to reflect the status of this account as Charged off which it should not, as this was paid in settlement. This is causing a huge issue for me, as I have mortgage lenders looking at the status of all of my accounts.I reached out to XXXX ( now known as XXXX XXXX ) and spoke with an account manager named XXXX who confirmed that the account is in fact paid in settlement and she does see the payment made, However she stated that they will not update the status of my credit report. She gave no reason as to why they wouldnt accept that they never do it. This is ridiculous and a violation of my consumer rights under the FCRA which states creditors are obligated to report accurate and verifiable information to the credit bureaus.

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