vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: CA

Complaint narrative:
In XXXX of 2022, XXXX  XXXX XXXX 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my XXXX  card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called XXXX customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that XXXX has and has been unable to resolve for me, yet Experian ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.

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 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was scammed by someone and the transaction took place through zelle. The transaction occurred on XX/XX/22 and was for {$150.00}. I reached out to zelle and reported the incident on XX/XX/22, and have not heard back from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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 2 purchases on my Amex XXXX card with XXXX XXXX, and then I also received 2 credits from the XXXX tax agency in regards to these 2 purchases. 

The initial charges were on XX/XX/XXXX for XXXX  XXXX and XX/XX/XXXX for XXXX  XXXX. My XXXX XXXX XXXX indicate AMEX converts these charges at the actual currency exchange rate. When I look on XXXX to see the FX rates I am given worse rates. The XX/XX/XXXX transaction AMEX charged me US {$3800.00} and on XX/XX/XXXX XXXX {$7000.00}. When I go on the XXXX site it should be closer to US {$3800.00} and US {$7000.00}. I tried to dispute it but no one talks to me and they simply close the case with no explanation. 

Then on XX/XX/XXXX I received 2 credits for the above transactions for XXXX  XXXX and XXXX  XXXX. The merchant is listed as a different name because it is a XXXX  credit. The FX rate I was given on this day for the credit was XXXX USD to XXXX. On this day XXXX XXXX was equal to XXXX USD so I was undercredited significantly. Even worse, the XXXX TO USD has not been at XXXX in over 20 years so its even crazier. 

Amex XXXX indicates you get the actual rate on the transaction. When I look at ALL my fx transactions, it seems American Express is playing with the bid/ask rates and skimming versus in reality giving the real rate. 

I have 2 asks : 1 ) I am credited back ~ {$160.00} on the above 4 transactions 2 ) American Express explain to me why they are skimming? If you look at all transactions, they are always at the worst rate for that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HireRight Solutions, Inc.
State: AZ

Complaint narrative:
HireRight has taken over a month to complete report XXXX. I've been told the report is at 91 % for over a month. They refuse to provide any additional information about the report. Their delay has already caused my prospective employer to delay my start date a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
hello, to whom may concern I have a common name and people have been stealing my identity and income taxes etc since 2010 and credit bureau have be giving false infomation to lenders and other people for the longest time and im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : 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 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 non-monetary relief
Consumer complaint received 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-09 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: OH

Complaint narrative:
In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX Bankruptcy acctt # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management Date opened : XX/XX/2021 Past due amount shown : XXXX $ I have called multiple times to request a validation later and have not received anything in the mail besides my options to pay. The last time i called the representative said she will try to send it out. I have also mailed letters requesting a validation letter and have received no type of validation. I have also disputed it with the 3 credit bureaus. I would like to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : 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 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 non-monetary relief
Consumer complaint received 2022-09-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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 explanation
Consumer complaint received 2022-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 2022-09-09 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: CA

Complaint narrative:
I opened a be enmo account had my identification fully verified and my buddy sent me XXXX which is within the allowed limit. Then I made a payment to XXXX for XXXX $ and a XXXX XXXX  payment to my girlfriend.. Then the froze my account without reason.. I can't access any of the money or close my account. Customer service gives me run around and are of no help offering little to zero info.. this has been over 9 days ago with no responce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 non-monetary relief
Consumer complaint received 2022-09-09 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: OH

Complaint narrative:
In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX Bankruptcy acctt # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my 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 2022-09-09 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: OH

Complaint narrative:
In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my 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 2022-09-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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 2022-09-09 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION, 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 2022-09-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax REFUSES TO SUBMIT POLICE REPORT AS A PART OF THEIR INVESTIGATION WHEN COMMUNICATING WITH CREDITORTS. THE ACCOUNTS LISTED BELOW ARE FRAUD AND I AM A VICTIM OF IDENTIFY THEFT. MY NEXT STEP WILL BE TO FILE A CLAIM AGAINST EQUIFAX UNDER THE STATURES OF LAWS IN THE STATE OF VIRGINIA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX Date : XXXX ACCOUNTS OPENED FRAUDULENTLY To Whom it may concern : Im officially disputing accounts ( below ) opened in my name due to fraud and identify theft. An unknown suspect ( s ) used my social security number and other personal information to open credit cards, obtain car loans, lines of credit, un-authorized inquiries, and other accounts without my consent or authorization fraudulently. Below are the accounts that were opened due to Identify Theft and without my consent. Please remove these accounts from my credit profile Expeditiously and Immediate. 

Creditor ( s ) Date opened Acct # Reason ( s ) XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NM

Complaint narrative:
Denied credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not a company. I am an informed consumer filing on my own behalf. 
***See Attached***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Automatic denial from system not thoroughly investigating true credit worthiness as I applied in good faith.

Company response to consumer: Closed with explanation