vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
I opened this card in XXXX of 2023 and didn't realize I had opted in for the credit protection option. Once I received my first statement I saw there was a fee and what it was for etc and decided to cancel it. I called the number on the back of the card and spoke to several people before the last one said ok ive removed this it won't auto renew anymore. Fast forward to XXXX I was checking my statement ( I don't as often as I should because the online access rarely works to view statements ) and the charge is still being deducted monthly. I called again this time couldnt get anyone for about XXXX weeks. I was over XXXX in the calling que. Once I finally got in touch with someone they again assured me it was removed and they would credit the previous fees of as well. Well I guess Im just a sucker because its still charging me and I can't get them to do anything about it if I can even get ahold of them at all

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax, and XXXX are falsely reporting account XXXX in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not apply for credit or give WRITTEN consent. These accounts are fraudulent. I did not enroll or apply for these. This is a violation of 15 USC 1681b. Without consent or knowledge pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 items identified as identity theft must be deleted and blocked. SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting 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:
I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by Equifax, XXXX, and XXXX. Specifically, I demand the immediate removal of the following accounts : Security Finance, XXXX XXXX XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX XXXX  per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXX systems collection account as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: MD

Complaint narrative:
I recently reviewed my credit report and saw a debt that I do not owe. I submitted a claim yesterday XX/XX/2023, I received word from Hunter Warfield claiming I owe this money. 

I have proof that I paid the apartment complex the money said to be owed. I contacted the property manager when I sent the money order to the apartment complex AND they responded with confirmation of receipt. This is absurd, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX 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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/24, I sent a check via bill pay to a Church in the amount of {$1500.00}. The check was delivered on XX/XX/24. Based on the proof of payment from the Bank, the check cleared on XX/XX/24. The Church notified me that they did not deposit the check and it may have been stolen. We looked at historic deposits by the church and the Treasurer typically endorses the check prior to depositing the check.

I called the Bank to understand where the check was cashed and why the check was allowed to clear without proper endorsement. When I called the customer service line, I was transferred to six different representatives, including a sr. escalation representative, and a level two representative / supervisor. They all could not provide where the check was cashed and why the check was allowed to clear without any endorsement. I filed a claim and the claim was subsequently closed with an explanation that the check was sent to the right address. Also, there was no investigation performed by the Bank.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA 605B mandates the elimination of any incorrect accounts from my credit report. Could you kindly verify the documents? There are discrepancies in the reporting of some listed accounts.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$6500.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.

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 2024-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hi- I purchased two {$100.00} gift cards from American Express and both were declined at in store retailer-XXXX XXXX  in XXXX XXXXXXXX XXXX FL XXXX 

I attempted to access Amex 's giftcard online balance and purchase history but it kept giving me the same error message. ( upon reviewing, I found many complaints online about this ) I then attempted to call and utilize Amex 's phone automation help but it could not help so I waited to speak with cust serv and after waiting and then explaing the situation I was transfred to another dep't where had I explain the situation again. After over 1 1/2 hours of being on hold I was eventually disconnected ... .this happend twice. 

XXXX card .... {$100.00} XXXX XXXX XX/XX/29 XXXX card ... {$100.00} XXXX XXXX XX/XX/29

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit bureaus To whom it may concern : Account Name : XXXX  Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$1500.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit bureaus To whom it may concern : Account Name : XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$1500.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.

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 2024-03-16 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
These accounts was charged off on ( XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history.a charge off account should include an active payment history. Inaccurate information falsely manipulate the statute of limitations. Credit bureau failed to investigate these accounts properly and there neglect has violated more than one rights listed below. 
15 us code 1601,15usc1681e ( b ), FCRA section 605 ( c ) ,15usc1681i,

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: RI

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 : XXXX  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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
5 U.S C Code 1666b A creditor may not treat a payment On a credit card account Under an Open end Consumer credit plan As late for any purpose, unless the creditor has adopted reasonable procedures designated to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mail or delivered to the consumer no later than 21 days before the payment due date.

15 U.S.C 1681a ( 2 ) ( B ) can not report containing solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 16 U.S Code 1681A 2 ( A ) transactions are not included in the consumer report Please remove This late payment for XXXX XXXX for XX/XX/2023 And update this account immediately to paid as agreed as you are in direct violation of several laws under The fair credit reporting act.

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 2024-03-16 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed '' when payments are made on time. 

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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 explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please request evidence of this unresolved outstanding negative recor

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I pay to have my credit professionally monitored for my protection. Equifax has blocked my credit report without notice to me or without cause. I have tried to have it unblocked by Equifax without success. I want it restored and the block removed so that I can successfully see my credit report that I work hard to keep in good standing. I would like for the CFPB to step in to resolve the matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: TX

Complaint narrative:
Mailed letters on XX/XX/year>2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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