vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and Equifax failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

EQUIFAX on XX/XX/XXXX removed credit line with XXXX XXXX  AND security first bank, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX XXXX violation of the FDCPA and FCRA. Section XXXX ( XXXX ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See Equifax credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA Equifax It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following XXXX changes were made to the entry : XXXX. Changed from student loan educational loan XXXX unsecure loan XXXX. Changed from XXXX year of ON-TIME payment TO no payments made XXXX. Changed from XXXX XXXX first TO XXXX XXXXXXXX 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 XXXXXX/XX/XXXX to XX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: VA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Social Security Number, Name, Proof of Address, and Date of Birth were also uploaded as proof that the Credit Report belongs to 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 non-monetary relief
Consumer complaint received 2022-10-23 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: NM

Complaint narrative:
My right Are been violated in many ways AND THIS IS ONE OF THEM. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
DISPUTED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY bANK XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and XXXX failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

XXXX on XX/XX/XXXX removed credit line with XXXX XXXX  AND XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See XXXX credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA XXXX It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following SEVEN changes were made to the entry : 1. Changed from student loan educational loan TO unsecure loan 2. Changed from one year of ON-TIME payment TO no payments made 3. Changed from XXXX XXXXXXXX XXXX TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of XXXX XXXX as original creditor 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On this card, I've had a pay over time offer until XX/XX/XXXX where the only terms are to pay the minimum payment by the due date ( to remain " in good standing '' ), which I have ( screenshot attached ). On XX/XX/XXXX, due to a change in deposit banks, my checking account # and routing # for this payment changed. I informed American Express on XX/XX/XXXX to cancel a payment scheduled that day ( which they claim can be canceled by XXXX am but the button to cancel wasn't on the screen ) but they refused. I was told I could ask for a returned payment fee refund afterward so I made a parallel payment from a different account. On XX/XX/XXXX, I found out despite complying with this requirement to make parallel payments on time, my general APR and my pay over time APR had been changed to the penalty APR because somehow my card was not " in good standing '' despite complying with the terms of the program and making on time payments and I was charged {$690.00}. It was already a nightmare getting the returned fee refunded and now I'm finding American Express is engaging in this deceptive and illegal practice against the terms of the program. They still state on another webpage that I have 0 % APR until XX/XX/XXXX. Despite paying a hefty {$690.00} annual fee, I encountered a customer service who was too incompetent to understand nor cared. I will cancel all my cards after 17 years of membership. They are horrible and will engage in illegal practices out of greed. They need to resolve this or this is a clear case for arbitration I will pursue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The only I have given Experian 30 days to fix all incorrect information on my credit report and it has not been done! I sent certified mail XX/XX/2022. Experian received and signed XX/XX/2022. It has been past 30 days. It is now XXXX XXXX. I submitted the information via certified mail XXXX tracking number XXXX. 

I am now requesting monetary relief and for all the items I have disputed to be removed 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 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
TD Bank, I've been calling over the past couple months to try and resolve some debit card fraud on some of my old debit cards. I've came to no positive resolution, due to the call getting disconnected, or the agents not understanding all of the transactions I'm trying to dispute. I don't want to lose my bank account or have to make a big decision of changing banks as you can see, I have big amounts of deposits coming in and out. I've attached all the statements, you will see HIGHLIGHTED IN YELLOW ( dates, amounts, transaction names ) all of these are unauthorized fraud. I have not given anyone access to use my card, the card always stays in my phone case, and no-one besides me has the PIN to use it. It's hard to keep calling, and calling when you're always busy and in a time crunch and can't get all the transactions in so I decided to go this route since the closest branch is XXXX miles away at my main house in MD. I am requesting my provisional credit within XXXX business days of the CFPB sending this complaint to you guys per Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.

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 2022-10-23 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: TX

Complaint narrative:
I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

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 2022-10-23 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: TX

Complaint narrative:
I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: TX

Complaint narrative:
I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.

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 2022-10-23 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In accordance with the fair credit reporting citizens one auto finance account # XXXX has violated my rights. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 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 2022-10-23 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:
In accordance with the fair credit reporter act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 usc 1681 section 602 a states I have the right to privacy.

15 usc 1681 section 604 a also states a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: TN

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$160000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$3500.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$2000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$4500.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$860.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$390.00} ). Its been over 45 daysand TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
I previously filed a complaint about this law firm due to their lack of proof. No written contract production, no proof of ownership, alleged debt past XXXX. They agreed to drop things. They then proceeded to sue me in my local court for the same matter. I live in XXXX  XXXX XXXX is based in Virginia. I still have zero proof of ownership of said debt. According to the information that the Ragan & Ragan submitted they are the owners. So how can they be the owners and also suing for the company that they purchased the debt from. I further state that the alleged debt has been re aged which is a clear violation. When was the fist delinquency? When was the last payment? 
The previous case number is XXXX

Company response to consumer: Closed with explanation