vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a responsible credit consumer, I would like to request that my address be updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my only name on my credit report be changed to XXXX XXXX. This is important because accurate and up-to-date personal information is essential for the proper functioning of credit reporting systems. By updating my address, I will be ensuring that any future correspondence from credit bureaus, creditors, or other parties is sent to the correct location. Additionally, updating my name will ensure that my credit report accurately reflects my identity, which is important for both legal and financial purposes. I appreciate your prompt attention to this matter and thank you for your assistance in maintaining accurate credit reporting information.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I registered in the XXXX store for a credit card to make a purchase. I just moved and told the sales rep my drivers license had the old address. I had mail to prove my new address and told them to setup the account to the new address. The store rep still setup the account to the old address. As a result my statement came late. I called to resolve the problem. Corrected the address on file, paid the purchase amount in full, and asked to have the late fees and interest refunded. The services rep did all that, yet the next month i still had a balance due to late fees and interest. called again to have it refunded, the rep agreed to process refund on late fees and interest. Next month, more late fees and interest. This continued XXXX, XXXX, and XXXX billing cycles. I'm am told now that the remaining late fee can only be refunded by Collections. I called the number provided by the rep ( XXXX ) XXXX. This is answered by an automated message that tries to sell you XXXX XXXX XXXX system, then hangs up on you. two separate agents gave the same number. I eventually talked to collections 2 time by being transferred. Each time i was disconnected after going throught supervisor escalations. I finally got the Customer agent to refund last late fee, but i paid {$4.00} in interest. Just gave up working with Comenity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
XXXX closed complaint that I submitted XX/XX/XXXX. 
Reliable credit Associates a indirect lender who buys retail installment contract agreement from dealerships in Washington state charged off account XXXX for {$3900.00}. issued a XXXX to myself XXXX to IRS for charged off debt. Then yes sold retail installment contract after charge off on XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Collateral that secured the debt was returned by self help repoession and at the time of self help repoession account last payment was less then XXXX with last payment made. 
Car was sold back to Reliable credit Associates per adesa online inquiry. Yet a vin search of collateral shows odometer has been exempt since leaving Idaho to Washington with no lines filed. XX/XX/XXXX filed a case in court for goods and Services that their plantiff was duly licensed to render. But yet welcome letter states your not in interest in a dealership sold gap and warranty insurance policy. But gladly accepted payments from contracts. 
Again, prove me wrong by sending account print out and proof of XXXX. 
XXXX predatory lender who hides behind dealerships whom you buy contracts from which isn't a loan security interest that you guarantee a return on, hence why after a repoession in XXXX you jumped on waiving all credit requirements to secure that interest. Plus if I am wrong why didn't the real party in interest sue me for deficiency balance?? Cause there was none.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-04-24 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: TN

Complaint narrative:
EXPERIAN IS ALLOWING XXXX AND XXXX TO REPORT THE SAME COLLECTION ACCOUNT WITHOUT THE PROPER VERIFICATION. EXPERIAN CAN NOT REPORT THAT THERE IS AN ACCOUNT WITH XXXX  FOR {$13000.00}. THEN THIS ACCOUNT WAS BOUGHT BY XXXX AND IS REPORTING IT FOR {$14000.00}. I DEMAND THE PROOF THAT MYSELF XXXX XXXX HAVE ANY CONTRACT WITH XXXX  AND XXXX FOR THESE AMOUNTS. THIS IS HARASSMENT TO REPORT THESE TYPE OF TRANSACTIONS WITHOUT THE PROPER DETAILS. HOW MUCH DID XXXX PAY FOR THE CONTRACT? I DEMAND THAT EXPERIAN PRODUCE THE WET INK CONTRACTS FOR AVANT AND XXXX ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ) or DELETE THESE TWO ACCOUNTS FOR HARASSMENT. EXPERIAN CAN NOT ATTACK MY CREDIT FILE WITHOUT PROPER LAWFUL PROOF!!!!!!!!

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 2023-04-24 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:
Ive been back and forth with all 3 credit bureaus XXXX, XXXX and Equifax disputing a XXXX wireless account since at least XXXX of 2022. Ive disputed the account online and have disputed it by certified mail twice. Basically XXXX says I owe a balance I dont owe. I have an email from them showing they were supposed to apply a credit to my account which they never did. Ive explained this to the credit bureaus ( XXXX, XXXX and Equifax ) sent them the documents and they never remove the account simply because XXXX says I owe it. When Ive shown them in writing they agreed to apply a credit Im owed and they never did. Also proving I dont owe whats being said. The only resolution in this case would be to remove the account from my credit report. I will attach the photo of the email I sent them ( again proving the account is wrong ) along with the balance sheet and the most recent certified mail receipt. Showing Ive made every effort to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Are all fraudulent accounts please remove at once.and all 32 fraudulent inquiries

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 2023-04-24 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:
See attached docs detailing the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. At this point I intend to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I : XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of 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 any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-04-25 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 FACTUAL DATA - XX/XX/2022 XXXX : XXXX - XX/XX/2022 FACTUAL DATA - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: U.S. BANCORP
State: CA

Complaint narrative:
I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : ELAN FINANCI  - XX/XX/2022 XXXX - XX/XX/2022 US BANK - XX/XX/2022 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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called my bank, Chase, to ask them why hadnt I recieved my deposit that I was expecting today. They then informed me than my account has been restricted. I asked them what that meant, and I was told that my account is being permanently terminated because they can not maintain it and that I signed an agreement stating that they could close my account for any reason they felt necessary. I tried to explain to them that I had lost my job, car was broken down, car shop did a bogus job and my car still has problems even after I paid them {$1500.00} and my insurance paid them {$1600.00}. So I tried to dispute the {$1500.00} payment, explain and fax them the paperwork, but that only lead to them thinking I was being fraudulent. So now my account is closed and they are saying there is nothing I can do about it but come pick up the remaining funds from a local branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife and I recently opened a Chase checking account using my kids birthday money so that we could fund two special debit cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my children 's two debit cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. There are late payments list XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 USC 1681 Section 602 states I have a right to privacy.

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 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was never late on my account 's payments. please show me documentation showing proof of transaction, showing i was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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:
I was never late on my account 's payments. please show me documentation showing proof of transaction, showing i was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from 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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
My ac count with XXXX was cancelled and all equipment returned. This account was closed in person at the XXXX store at XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested Experian to update my personal information on my credit report to remove all address, phone numbers, and employers on XX/XX/2023. Experian received my request via certified mail on XX/XX/2023. As a result, the information remains on my credit report. Therefore, they are in violation of the Fair Credit reporting Act. I would like for all information to be update.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: LA

Complaint narrative:
Attached are the results from your investigation that does not tell the consumer, which is me, the accounts that were removed nor the accounts that were verified. I need to know the actual accounts that were removed. I need to know the actual that were verified. Also on the accounts that were verified, i need to know the source. Its stated that LexisNexis was the source, but LexisNexis is not an employer, or creditor nor due i have a contract with your company. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX  I just got served with an Alias Summons of a complaint was filed XX/XX/XXXX. The XX/XX/XXXX Complaint is signed by XXXX XXXX XXXX XXXX is serving someone with a complaint over a year old legitimate? 

How did they even get a Summons for a Complaint that is over a year old? 

The case number on the Summons is : XXXX and was filed XX/XX/XXXX. 

The XXXX is XXXX represented by Blitt and Gaines , P.C . 

This is for an old credit card amount the was written off by XXXX XXXX XXXX  with an amount owed of {$1200.00} I'm not aware of any court that allows a complaint over a year old to be served on anyone. 

Is this legitimate? 

Wow, I'm sure many lawyers wish they could get a summons for a complaint that's way past time to properly serve. 

I'm not a lawyer. I'd have to represent myself BUT, I'm not sure this service is proper given the date on this complaint and the date of the summons. 

At any rate, I'm on unemployment since XX/XX/XXXX so, I don't have a way to pay this amount but, I do owe it but, would need to make small payments but, would like to settle to pay only half of it. 

The guy that served it BANGED on my door to serve this. 

I'm feeling intimidated by a law firm that's seems to be making up its " own rules for going into court.

Company response to consumer: Closed with explanation