vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX  ) -name as reported on my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED. 

If this account is not deleted from my credit report within 30 days I will be visiting my nearest small claims court & I would be seeking a minimum of {$1000.00} in damages PER violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Each of you will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am having a problem getting Transunion to remove an fraud alert off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX, XXXX XXXX acct # XXXX, has violated my rights.

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.

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 2022-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems placed a trade line on my account, without a written notice to my address. 

Amount {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
There is an existing closed complaint about this. PayPal has encumbered my ability to manage my PayPal branded XXXX bank credit account. I am blocked from logging in. PayPal will release the block for a single transaction and then they block it again. 

The illegal encumbrance also prevents me from managing my PayPal account. 

The CFPB will ignore the content of my complaint and send a pleasant notice to PayPal. PayPal will respond in a form letter reporting that I am incorrect and that PayPal is compliant with law. 

This process is pro forma. PayPal is harassing me. PayPal is not acting in good faith. PayPal seeks to harm me and others like me as a punitive measure and the CFPB is complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
My information may have been acquired via a data leak and may have gotten into the wrong hands. 

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/20XXXX 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  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company MIDLAND FUNDING, LLC is trying to collect {$6200.00} from me for an account they claim I owe. 

I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Funding has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Funding has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I have a XXXX XXXX bankruptcy from 2015 that's discharged and almost of of the creditors included in that show up as negative on my reports. Also I have 3 collections that shows a balance due and It was in the middle of covid 19 and these places won't cut me no slack. How is a person like me supposed to get back to a great credit score? It's shameful and disheartening and most days I just wan na give up. You can see my current report and I paid XXXX XXXX to fix things but they did nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We have been loyal customers of American Express for 20 years now. 
So, I looked into the finance charges over the past year on our American Express gold charge card and found that Amex has been charging me - {$1700.00} XXXX asked why, because I always pay my bill ON TIME and IN FULL. 
They said it was because i break the payment up previous to the due date and pay some of it early- BUT I ALWAYS EVENTUALLY PAY ON TIME IN FULL. 

How are they able to leverage a charge against us on a partitioned amount when that amount is always paid on time and in full? 

They refused to help me. Employee name is XXXX and her employee number is # XXXX she was the supervisor I spoke to and she said she was 'unable ' to help me get our money back. 

This was an unfairly leveraged fee on an already struggling small business that always pays ON TIME and IN FULL. American Express DOES NOT CARE about SMALL BUSINESSES!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made over {$4000.00} worth of purchases from Home Depot in XX/XX/XXXX and was told we qualified for zero interest for 24 months. My wife and I planned the payment schedule so that we could pay off everything with the same monthly payment amount for 24 months. I checked the statements for the first few months and didn't see interest accruing. I didn't check back for a while and in XX/XX/XXXX found that well over {$1000.00} in interest had been accrued. I spoke to the Home Depot credit card management and they said the interest-free offer was only for 6 months, but when we signed up for the card we were told it was for 24 months. I spoke to a manager at Home Depot on Sunday, XX/XX/XXXX, who spoke to a customer service manager for the Home Depot Credit Card, who both agreed that this was wrong and that they would get all of the interest reversed. On Saturday, XX/XX/XXXX, I noticed none of the interest on my card had been reversed, so I called Home Depot and they told me that the interest wouldn't be reversed because I didn't communicate about the promotional offer lapsing in enough time for them to reverse it this despite a customer service manager previously telling me it would be reversed. So in order to avoid further interest being charged, I paid off the card in full on XX/XX/XXXX and called them back immediately to cancel my credit card and let them know I will never be a Home Depot customer again. If there is anything I can do to try to recoup some of that money and get refunded the interest, that would be appreciated, if not I understand. In any case, I feel it's important for Home Depot to be recognized as having clearly deceptive advertising practices that prey on average consumers who did nothing wrong and was paying more than the minimum amount on time every month.

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 2022-07-30 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: FL

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 )

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After a dispute that I mailed to Equifax on XX/XX/2022, Equifax deleted on XX/XX/2022, XXXX XXXX XXXX XXXX. I reviewed my credit report again XX/XX/2022 and XXXX XXXX XXXX XXXX has been added back to my credit report. Today is XX/XX/2022 XXXX days from when I discovered XXXX XXXX XXXX XXXX had been added back to my credit report and I have received no notification within the 5 business day time limit the FCRA gives. Not knowing when it was inserted back, only knowing the date I discovered it, it has been longer than 5 business days, a direct violation of : 15 U.S. Code 1681i ( 5 ) ( B ) ( II ) - Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I never authorized the reinsertion of XXXX XXXX XXXX XXXX, therefore Equifax is in VIOLATION. Attached to this dispute is the initial letter I mailed to Equifax on XX/XX/2022, XX/XX/2022 tracking number, a copy of my revolving accounts credit report on XX/XX/2022 & XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NJ

Complaint narrative:
There's an inquiry on transunion report that should have been removed due to inaccurate reporting information. XXXX bank inquiry shouldn't be on my 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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. It's a bait and switch. The companies of these credit cards are paying Experian to push their drugs/high-interest rates cards. The credit card company then pays Experian for placing preapproved credit cards on their site. Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Experian act as if they are acting in good faith in reality they are soliciting to consumers for these predators lenders with high interest rates affecting poor disadvantage consumers as myself whom have been disproportion marginalized from the begining credit never was designed for minority with education to understand how it works it's been a generation curse for XXXX due to being XXXX on the importance to good credit Sincerely, XXXX XXXX XXXX XXXX consumer.

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 2022-07-30 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts # XXXX, has violated my rights. 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 credit reporting agency Can not furnish a account without my written instruction. 

Accounts 1. XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX bank 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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sunset Management, Inc
State: MI

Complaint narrative:
I have a XXXX XXXX bankruptcy from 2015 that's discharged and almost of of the creditors included in that show up as negative on my reports. Also I have 3 collections that shows a balance due and It was in the middle of covid 19 and these places won't cut me no slack. How is a person like me supposed to get back to a great credit score? It's shameful and disheartening and most days I just wan na give up. You can see my current report and I paid XXXX XXXX to fix things but they did nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
i got a letter ( bill ) from credit control LLC the account ( XXXX ) was closed in 2020 but iam too XXXX to pay this debt also iam 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 2022-07-31 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: GA

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. 

XXXX XXXX Account # XXXX 15 U.S.C. 1681 SECTION 602 A states 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

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
These hard inquiries need to 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

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