vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
I asked Experian to do a credit verification and they said they did, I went ahead and did one myself and found different inaccuracies in the report. 

In accordance with the Fair Credit Reporting Account XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A Section 2. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states 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 2023-03-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2019. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.

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 2023-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I've contacted the wells fargo in XX/XX/XXXX for modification and i couldnt work, they didnt get back to me. they reported to credit bureau s late for 120 days and they schedule a foreclosure date in XX/XX/XXXX. i had to borrow from my credit cards to pay to wells fargo and stop the foreclosure, my account # 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 2023-03-23 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: OH

Complaint narrative:
Several calls were placed to XXXX, XXXX, and Transunion Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.

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 2023-03-23 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: OH

Complaint narrative:
Several calls were placed to Experian, XXXX, and XXXX Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.

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 2023-03-23 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : 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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has my report as missed payments doesn't say in good standing when closed for example payed car loan off never late or missed a payment as well with lease agreement that was in good standing but yet when I car loan was closed it dropped my score XXXX points there is nothing good on there about a good payment history I would like this looked into and it's pointless to try and contact them as I can't be on the phone for ever waiting for somebody to speak with

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 2023-03-23 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: FL

Complaint narrative:
I am submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I am in need of your immediate attention regarding the following items : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 XX/XX/XXXX. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.

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 2023-03-23 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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IL

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, 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 2023-03-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

I am trying to get business funding and this incorrect information is directly harming my ability to do so.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Summary : I am a holder of the American Express XXXX XXXX XXXX credit card. The card comes with one free night award valid for 12 months after issuance, good for participating XXXX hotels for redemption level at or under XXXX XXXX XXXX points. This free night award certificate was deleted from my account before expiration date. I had been given the runaround when I tried to call to follow up and not going anywhere. 

What happened : XX/XX/XXXX American Express charged me {$450.00} annual fee for the American Express XXXX XXXX XXXX credit card. I paid this fee on my card. 


XX/XX/XXXX The XXXX XXXX XXXX points free night certificate was deposited into my XXXX XXXX account, expiration date XX/XX/XXXX. Please see attached email in complaint. 


XX/XX/XXXX I called into XXXX XXXX to have the free night certificate extended as I was not able to travel last year due to all the covid travel restrictions. XXXX XXXX customer representative told me that I would get the XXXX year extension as a one time courtesy. However, she ran into a system error, and the cert was deleted from my account. A case was opened on my behalf to have a cert with one year extension reinstated in my account. Case # is XXXX. 


XX/XX/XXXX I got an email from XXXX XXXX from XXXX XXXX Customer Care, saying the he was not able to extend the expiration of the cert. This contradicts what we were told from the customer rep. There was also no mention of the cert that has disappeared from my XXXX XXXX account. 



XX/XX/XXXX I called into XXXX XXXX to follow up on my missing certificate. A different customer representation reopened my case ( Case # XXXX ) and told me I have to wait for someone to resolve the case. Meanwhile I can not use the cert still since it is missing from my account. 

How I would like the matter to be resolved : There are two options for American Express to go from here : 1 - Please refund my {$450.00} fee that was charged on my American Express XXXX XXXX XXXX credit card on XX/XX/XXXX as the promised free night award certificate is not available for me to use 2 - Please reinstate the free night award certificate in my XXXX XXXX account with the one year extension promised by the customer representative. I had gone on trips while the certificate was missing and I had to pay out of pocket for my hotel stays as I was prevented from using the certificate as it was not available to me. I would like to have the one year extension as promised to be made whole since the certificate was unjustifiably deleted from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX Balance : {$260.00} 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 explanation
Consumer complaint received 2023-03-23 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: IL

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, 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 explanation
Consumer complaint received 2023-03-23 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: AZ

Complaint narrative:
I made a payment for my XX/XX/2023 American Express bill by the due date but my payment was returned as " rejected '' even though my payment method ( checking account ) had the funds ready to be taken out. As a result of this returned payment, I was charged three fees : a returned payment fee of {$29.00}, a late fee of {$29.00}, and an interest charge of {$5.00}. I believe that American Express has been making more errors since this past year and in another instance involving this same card, American Express sent me an email stating they would be sending a new card but no card was sent until I contacted American Express multiple times to sort it out at great expense to myself.

I'm requesting American Express to remove these 3 fees and charges as the payment shouldn't have been returned and the funds for the bill were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Equifax is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Equifax violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I will make sure to clarify that I am able to verify my identity and login to my ( free ) experian account. I AM ABLE TO VIEW, THAW, LOCK, OR UNLOCK MY FREEEEEEE EXPERIAN ACCOUNT. WHEN APPLYING TO LENDERS or MOST RECENT APPLICATIONS FOR APT 'S. HOWEVERRRRRRRRR DESPITE THE FACT I REPEAT THE FACT THAT I HAVE ACCOUNTS IN GOOD STANDING.GOOD HISTORY, ON TIME BILL PAYMENTS & 0 DEBT. EXPERIAN WILL ( IN YEARS WILL NOT ) ( EXPERIAN ) NOT RAISE MY CREDIT FOR YEARS. BUT XXXX, XXXX XXXX ( XXXX, XXXX MONITOR MY IDENTITY, SEND ME UPDATES BUT EXPERIAN DOES NOT! I SETUP FRAUD ALERTS TO MY EXPERIAN SINCE XXXX. ( HAVE DISPUTED ADDRESSES, NAMES, LOCATIONS ETC ) I HAVE TO PAY EXPERIAN WHO WORKS FOR THE GOVERNMENT TO BOOST MY CREDIT SCORE, REVEAL MY BANK INFO ( WHEN I NOTICED MORE FRAUD TO MY IDENTITY, BANK BECAUSE OF EXPERIAN BOOST, IDENTITY WORKS ) A PERSON POSING AS ME MADE CONTACT WITH EXPERIAN TO GAIN ACCESS TO MY IDENTITY, THE FRAUDSTER CREATED A EXPERIAN IDENTITY WORKS TO DUPLICATE MY IDENTITY TO KNOW MY WHERABOUTS, INCLUDING LOCATION, A XXXX XXXX ADDRESS I DID NOT RECOGNIZE ( it took 2 + years to XXXX  XXXX, EXPERIAN from XXXX to XXXX to remove this address ). EXPERIAN WILL NOT RAISE MY SCORE WITH GOOD REPORT HISTORY SUBMITTED TO EXPERIAN. I UNLOCK MY EXPERIAN WITH MY GOOD HISTORY TO APPLY SINCE XXXX OF XXXX, HAVE NOT BEEN ABLE TO HAVE APPLICATIONS SUBMITTED TO VERIFY MY BACKGROUND WHY BECAUSE DESPITE THE FACT I CAN UNLOCK OR THAW MY FREE EXPERIAN BUT EXPERIAN & TECHNICAL WILL NOT ALLOW MY EXPERIAN REPORT TO BE VIEWED OR SEEN. I WILL SAY THIS AGAIN ( I CAN ) THAW, UNLOCK MY EXPERIAN, STILL RECEIVING LETTERS THAT BECAUSE OF EXPERIAN ERROR & UNABLE TO APPROVE FOR APT & ETC. I DO NOT WANT TO LIVE IN A HOTEL OR STREET! 2. A XXXX XXXX I WAS NOTIFIED IN XX/XX/XXXX was to be removed due to my proof, police report. IT IS REMOVED WITH OTHER CREDIT BURUEAS BUT EXPERIAN WILL NOT REMOVE. How strange.unsusual unrecognized with my identity, within split seconds ( like they just brushed it off ) " emails '' ( from experian ) that disputes are complete but takes at least 60 days!

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation