vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, 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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX of 2023 I made a payment to the credit card for XXXX XXXX 2023 due date. In XXXX of 2023 I went to make my payment for XX/XX/2023 n I was told I didnt make XXXX payment. I informed them that I did make the payment. They told me that I made the payment late. I informed them that I had made the payment 3 weeks in advanced n have never paid late. I was informed it was a revolving credit and that I was late. I informed them that if that was the case I would have been paying late for years. They refused to acknowledge that they are wrong. And now my payment went from {$320.00} to {$640.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
Un-authorized inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
Un-authorized inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Let me start by saying DO NOT BANK WITH THEM DO NOT PUT YOUR PAYROLL DIRECT DEPOSIT WITH MONEYLION!! 
Let me share my frustrated experience with this awful company my account from nowhere was put on hold they sent me an email to send my documents which I did to retention support only response I got was we will verify your documents within 1 to 2 business days waited till 3rd business give them a call supervisor by name XXXX XXXX guarantee me account would be fixed by today XX/XX/13 nothing yet when I started questioning what's the hold not able to provide me any type of information when I ask them what's the dedicated team number no information provided either when I question them why was my account flag they couldn't even provide me with a straight answer I have sent multiple emails to that dedicated team that has no number or able to transfer and guess what no response either as a consumer we do have financial laws that protects us and for me this sounds like a SCAM I have cancel my direct deposit from my employer due to this matter they basically stealing my money I will be reposting this everywhere possible even to there headquarters I decided one last time to speak with a supervisor and not even a SUPERVISOR can give me a straight forward answer how can you trust a so call bank when they can not provide any type of information after verifying your identity multiple times at this point i just want my money and there not willing to give me my money back!!

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 2023-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
In regards to Complaint XXXX, Express Recovery states that they sent a deletion request, however, both are marked " Draft '' clearly and the item is showing on my credit report. Express Recovery has had multiple opportunities to solve this issue, but has continued to not follow through or have the item removed. This shows complete disregard to the law and their promise that it was going to be removed. I have again, attached the original complaint and the " Draft '' request from Express. This item needs deleted today and compensation given to me for their violation and cost of me not being able to obtain credit because of their not getting the item removed as promised and in a timely manner. 
A " draft '' is not a removal, nor is that sufficient proof that it has been removed. This companies legal counsel needs to take immediate action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: VA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX Balance : {$81.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX  XXXX Balance XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: FL

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 XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have an open dispute with Jefferson Capital System over a fraudulently opened account in my name for XXXX $ opened on XX/XX/2021. This account is not mine, please help me rectify this ongoing dispute as I have attempted multiple times to dispute this with XXXX and XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report an issue with Chex Systems, a consumer reporting agency that provides information to banks and credit unions about consumers ' banking histories. Specifically, I have found that Chex Systems is not removing accounts that are inaccurate from their reports. I have personally experienced this issue when I discovered that Chex Systems was still reporting an account that had been closed for years. Despite multiple attempts to dispute this information with Chex Systems, they have not taken any action to remove the account from my report. This is particularly concerning to me because inaccurate information on consumer reports can have serious consequences. In my case, this erroneous information could potentially impact my ability to open a new bank account or obtain credit in the future. I believe it is important for Chex Systems to be held accountable for accurately reporting consumers ' banking histories. I urge you to investigate this issue and take appropriate action to ensure that Chex Systems is removing inaccurate accounts from their reports. Thank you for your attention to this matter. Sincerely, X

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
ACCOUNT NAME XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) Account # : XXXX ACCOUNT NAME XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2023-04-13 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:
My Experian account was hacked by someone. I received an email on XX/XX/XXXX @ XXXX in the morning that some one had change my information. I called Experian on XXXX to address the issue and try to take my account back over. The person who I spoke with had informed me that all my security question had been change as well as email and phone number. At this point we tried to switch my email back and reset password. But the person who hacked my credit account had created a pin number. I was told by the rep that she would have to send this over to the XXXX department and have them contact me by email with in XXXX hours. I never received an email from them with XXXX hours. So on XX/XX/XXXX a received another email that the person was trying to log back in to the account. I called Experian as soon as received the email. Spoke to XXXX different rep one name XXXX neither on was helpful. I offer to provide them with my birth certificate and drives license and any other documentation they would need. They would never transfer me to the security department to fix the problem. Then I was told they had up to 5 days to address this after being told on the XXXX that they were escalating this and would hear back in XXXX hours. This was alarming to me as it seems you use these company 's to help with your credit and now someone is done fraud and you just keep getting the run around. This person who has hacked my credit accounts has opened a cell phone account and has run other things to open accounts. At the end of this conversation I had to close my credit account because know was helping me to retrieve it and set up security alerts. Just to be told to create another one. Experian and it works have horrible customer service and to me it makes me think this was an inside job from their company. I was given this email address XXXX for the person hacking along with this phone 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis is knowingly reporting inaccurate information regarding an vehicle accident that I was never involved in with XXXX XXXX XXXX XXXX claim # XXXX. I have tried fixing this several times over the last year and they have yet to delete this fraudulent and inaccurate information. Since their negligence I have had 2 auto insurance companies withdraw coverage and XXXX XXXX XXXX my current insurer plan to increase my monthly premiums to {$430.00} at my next renewal. Over the course of 18 months I have been terminated from my job as a commercial driver and refused by 3 desired companies. My monthly premiums have increased from {$260.00} and has cost me an additional {$1200.00} or more annually. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX D.O.B. XX/XX/1992 SSN : XXXX License Number / State : XXXX/ Illinois

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: TX

Complaint narrative:
I have been hit with a collection in the amount of {$130.00} from a collection agency that I cant get a hold of. I have tried to call the original creditor listed on my credit report as XXXX and I keep getting sent back to a collection agency that does not answer. The collection agency number I was given is XXXX and the name of this company is Revco Solutions. This collection is negatively effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: NY

Complaint narrative:
I had an AmEx card with an annual fee open for the past ~5 years. I thought I had closed this card and forgot about it without using it since pre-Covid. During this time Amex charged me {$250.00} in XXXX XXXX XXXX XXXX and again this year all without having used the card for a single purchase or usage of card benefits/rewards in that time span. Thats {$1000.00} AmEx collected without any acknowledgment or any account usage whatsoever. 

When I contacted them to try to recover some of this, they did waive the most recent fee because it was still the same month ( and would only do so if I closed my account as well ). But they were unwilling to do anything about the past several years of fees. 

I fully acknowledge that I should have kept better track of this account, but AmEx should be better about notifying annual fees and identifying inactive accounts when charging high fees. It definitely gives off the sense that they do not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I have requested extra payments to go toward principal. The bank keeps applying the excess toward interest and not the principal. I would like my loan audited to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
XXXX  ( loan company ) failed in any type of communication to me regarding my loan. Especially when the recurring payment stopped going through I was never notified. No notices were received about any payment status at any point since XX/XX/XXXX and it wasn't until XX/XX/XXXX that I saw an impact on my credit report and investigated. They've waived all penalties on the late payments and have agreed to send all future notifications in all available methods including mail, phone, and email so this never happens again. I do not believe TransUnion investigated the issue properly in the two days since I sent a dispute argument and has not fixed the bad mark on my credit report. I sincerely believe both organizations require further investigation on their process and failure to properly handle their customers.

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