vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: AL

Complaint narrative:
Transunion has been using unscrupulous practices by deleted my public record and then restoring that same information back on 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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NY

Complaint narrative:
Around the end of XXXX a collection debt of {$1300.00} was sent to my report by XXXX XXXX XXXX. I have credit monitoring and locks on all three credit bureaus and get notifications for everything. The account was opened in XX/XX/2022 and lasted XXXX months. I disputed the fraud immediately and I got my results back XX/XX/XXXX. My dispute was denied. I put another one in immediately and called XXXX XXXX XXXX right after to put in a dispute with their fraud department. Than began making ftc reports and cfpb complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2023-02-08 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2023-02-08 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an alert on my phone that my card was charged for {$XXXX} on a hotel site. I did not authorized the charge, i was checking hotels at the time on XXXX. I called immediately my credit card company : TJX Rewards XXXX XXXX issued by Synchrony Bank. I explained the situation and requested the charge to be denied as it was still pending. The man on the phone said they had to let it go through but not to worry as they would investigate and refund the money to me. On XX/XX/XXXX i received the refund, then on XX/XX/XXXX i was charged again for the same and it was noted on the statement as a re-bill. I called to inquiry what has happened and they told me the merchant ( scammer ) had provided sufficient documentation to prove i made the purchase, i requested such documentation because it was a lie. The documents they sent were the merchant 's rules on cancellations and such ( i am sending this documents in the attachment ). I told them i did not care what their rules on cancellations were, because i have never made a booking with them to begin with, they stole my information ( i'm thinking because i have everything stored in google ( including the credit card to be prefilled ) and by this time i had already investigated more of this merchant, there were hundreds of complains same as mine on the site XXXX. I told the agent this and that i needed the dispute to be reopened. They reopened and sent me the same packet with the scammer 's rules on cancellations and told me they sided with the merchant. So i paid the credit card balance in full and closed the account in XXXX of XXXX. 
On XX/XX/XXXX i received a call from a man, he presented himself as an agent for the credit card company and asked if i was satisfied with the results of the investigation. I told him i was not but i did not care anymore as the account was closed already. He said if wanted to he would reopen the investigation. I told him to go ahead but i had no faith in their system. On XX/XX/XXXX i received an email from Synchrony bank containing a letter saying they would be refunding the money within XXXX  days ( letter is attached also ). 
Since i never got the refund i called to inquire about the check in XX/XX/XXXX, instead of looking into what happened with the check, they once again reopened the case, i did not hear back so i called on XX/XX/XXXX and they told me they sent a letter on XX/XX/XXXX siding with the scammers once again. I asked why would they do that and what happened with their resolution from XX/XX/XXXX. They said they did not know but the case was closed and against 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 monetary relief
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I contacted my personal loan lender Upgrade Inc, my personal loan payments were on autopay for the 4th of the month, however, I changed banks and was unable to modify my autopay through the Upgrade app. I contacted support via telephone and was told, that the auto pay was already in process and could not be modified to wait until my payment is returned from my old bank to modify my autopay. Not being able to modify the auto pay, I paid manually each month. I started to receive credit alerts of an adverse action on my account and thought this must be a mistake. I had noticed that my monthly charge had increased with no additional purchases made and decided to check my monthly statements before contacting the company. Looking over my monthly statements I immediately noticed discrepancies in where my payments were being distributed. Initially, most of my payments were going to the principal, however, lately my payments were going all to interest with less than 25 % going to the principal balance. 
When I contacted the company, I spoke with a young lady who went over my account and informed me that due to returned payments for the last several months to the account that I previously informed had been closed, more of my payments were now going to the interest. I advised her of the previous call, which she was able to verify. I then informed her, that they have been paid on time regardless of weather, they were attempting an autopay on a closed account and that I needed my account fixed. I am a full-time parent, student, and employee, so I did not wait on the phone for her to resolve the issue. On XX/XX/XXXX, I called Upgrade again and this time requested to speak with a supervisor. That phone call lasted for 1 hour 45 minutes : I spoke with a supervisor a very nice gentleman, who profusely apologized for the inconvenience their incompetence had caused yet insisted that there was nothing he could do, that I would need to pay the additional fees however if I would like to have more of my payments go to the principal he would be happy to assist with an additional payment now. 
XX/XX/XXXX, I filed a complaint with the Federal Trade Commission, complaint # XXXX and the XXXX XXXX XXXX # XXXX. The company has sent several emails since the XXXX of XXXX but have failed to return my calls, to XXXX the account representative who was assigned my case, I have withheld payment since XX/XX/XXXX and will not continue until they fix their mistake. I would like them to fix my account, as it is not fair that I should have to pay financially for their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 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: NY

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. 

Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX, Account name XXXX XXXX Account name : XXXXXXXX XXXX XXXX, Account name : XXXX, Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: NY

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. 

Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX, Account name : XXXX Account name : XXXXXXXX XXXX XXXX, Account name : XXXX, Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XXXX  Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries CXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express has marked me late for the months of XXXX & XX/XX/2023 for account XXXX, but my due date is XXXX XXXX and todays date is XX/XX/2023 so I have XXXX more days to make a payment. Update immediately my payment history I am not late. I have attached a screenshot of my Amex dashboard account clearly showing the due date of XX/XX/2023. The XXXX statement is due on XX/XX/XXXX. I will make my payment by the due date XX/XX/2023. Update my payment history!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: WI

Complaint narrative:
I had a loan with them, monthly payment was {$250.00} due ( XXXX of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrement-XXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.

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 2023-02-08 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: WI

Complaint narrative:
I had a loan with them, monthly payment was {$250.00} due ( XXXX of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrement-XXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: WI

Complaint narrative:
I had a loan with them, monthly payment was {$250.00} due ( 21st of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrementXXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.

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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Fundling LLC I do not nor have ever had an account with this company yet they are reporting from XXXX on my credit report. I have made repeated attempts for debit verification to no avail. 

Requests were made in XXXX and XXXX of XXXX for verification and proof the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  reported that I paid a payment late. That is not true i am asking them to show documentation that the payment was late or remove 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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express continues to deny purchases after dropping the limit from {$14000.00} to {$700.00} without notice and explanation. I want BY MAIL all contracts and statements from ALL account under my name plus the full explanation and calculations of the credit limit. 

If American Express can not serve well and give a decent limit to this card, please, proceed its cancelation and refund of all fees as of today. 

Do not call or email me, all communication needs to be written and sent by mail to my home address for evaluation and further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
In XX/XX/2020 my son, XXXX XXXX, was living in an apartment at XXXX XXXX apartments in XXXX Florida. He had a lease along with XXXXwo other college students for the unit and each was responsible for their own portion. During the pandemic his two roommates parents lost their employment and were unable to make their share of the rent payments. The landlord was not willing to accept our 1/3 of the rent as we had been paying and instead insisted that the whole rent be paid. That put me in a position where I could not pay the rent in its entirety. I made offers to pay my son 's third of what was remaining on the rent at that time and was told that I could not. Fast forward approximately one year and I started getting collections calls from National credit systems located in Georgia. The total balance owed for the debt they are attempting to collect in {$7700.00}. My argument is that I'm only responsible for 1/3 of that debt as there were two other individuals on the lease that are each required to pay 1/3 of that debt until the total amount is paid. I have sent a registered return receipt letter to national credit systems offering to pay my 1/3 of the debt in order to remove this collection notice from my credit report. Prior to this incident my credit was at roughly XXXX as a XXXX XXXX  and plummeted down into the XXXX hundreds as a result. I have always stood steadfast that I would pay my sons and my obligation of XXXX of the debt which would be roughly {$2600.00}. They will not accept that and tell me I have to pay the full thing and go after the other two tenants myself. This sounds ridiculous and as a result I am filing this complaint.

Company response to consumer: Closed with explanation