vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: PA

Complaint narrative:
My name is XXXX XXXX I've sent a letter to the 3 credit bureaus Equifax, XXXX, and XXXX explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. XXXX has not sent me anything back in the mail, concerning my letter. I have also requested the XXXX credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so. 

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
# XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: PA

Complaint narrative:
My name is XXXX XXXX I've sent a letter to the 3 credit bureaus XXXX, Experian, and XXXX explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. Experian has not sent me anything back in the mail, concerning my letter. I have also requested the 3 credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so.

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not receive my class action settlement from Wells Fargo for being overcharged on ATM fees and higher interest rates on my debit card and on my credit card

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 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This collection account is on my credit report but it is not mine. I reported this to them but they refuse to remove it from my credit report. It is ruining my credit and it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CA

Complaint narrative:
I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that XXXX XXXX has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.

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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I constantly get the following message when I access my Capital One Credit card app : " Receive a statement credit up to {$100.00} on your next hotel booking through Capital One Travel. * '' Good until XX/XX/2023 I got the message today and when I called, I finally was told that the offer had gotten used up, that it is only good for a certain number of customers. 

When trying to book this travel, the system would not let me book the travel saying that my credit card information was wrong. I spoke Capital One, they assured me that the problem was fixed, they transferred me to their travel department ( this is a separate entity that does business as Capital One Travel. The inability to book the travel due to system glitches entailed multiple transfers from Capital One to Capital One Travel. Each time, they assured me that they would resolve the problem. After two hours of this, I was told that the {$100.00} offer was only {$25.00}. I have been a good customer of Capitol One, always paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: LEXISNEXIS
State: FL

Complaint narrative:
Over a week ago I applied online for a report from LexisNexis Consumer Center. 
I have still not received any confirmation that they received my request. 
In their website I found a phone number to submit a request via phone and to speak with a live operator : XXXX. 
i was never given an opportunity to speak with a live operator. 
So I still do not have any verification that they received my request. 
I feel that the Company needs to provide access to a live operator, as advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
Let 's start with the XXXX XXXX XXXX card. Probably one of the worst companies in earth. 
Today is XXXX I had reported my card missing/ stolen XXXX I had asked for a replacement card here comes XXXX No card I call multiple times an ask what is going on I get told my residential is not a good residential address that I need to change my address. That my card had been sent back ummmm okay why? What is wrong with my address? ( Nothing ) mind u they won't change or update address for u. Now I can an have address update. So I proceeded to call a few days later an ask for another card to be extradited they say okay no problem. So 2 weeks go by still no card ridiculous what is going on ive seriously been waiting for a replacement card now over a month I'm angry at this point this is seriously a joke so I call today XXXX I ask them where is my card why haven't I received it yet XXXX representative says that it was just ordered on the XXXX an shipped out XXXX for. One I asked for it to expedite an yet they still just ignored me. another representative then tells me my card was ordered XXXX mailed XXXX : but not expedite because I need to change my address again now I'm about to loose my cool. I ask to speak to a supervisor they then put me on hold for a good 20 mins are u kidding me? then I guess supervisor XXXX badge # XXXX shes very rude so I ask for corporates number she tells me no. Then hangs up on me I call back I can't get through I continue to call back then I get through I then talk to a gentleman i tell him I'm sick of the games I just want my car I've been waiting since last month an I would like corporates number he tells me to hold I wait on hold another 20 mins he says he will transfer me to someone who can help with corporates number an some help.then here we go back to XXXX who tells me I need to change my address an that I'm not allowed to expedite my card I need to wait until after the XXXX then hangs u hangs up on me again I'm so sick of this I have been waiting for a replacement card for over a month. I'm sick of it an just want my money end of story this is crazy I'm done with the games they play I want my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NJ

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Today, XX/XX/2023, after receiving a call from American Express this week and a letter last night regarding an application for an AMEX, I called AMEX and told them I had not applied for any card. This was not me. I thought the phone call I received earlier this week was bogus, but when I received a letter from AMEX, I was very concerned that someone was using my identity fraudulently. I spoke to XXXX and another man at AMEX who put FRAUD on the application and escalated the issue to the High Risk team, then I called XXXX to let them know to remove the inquiry from my credit report due to the above. XXXX 's rep told me to file a complaint here, and so I am. Thank you for all your help and for reporting this to the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Company stated that it would provide a detailed information in its response about this debt but there was no information at all that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violates my consumer rights. 
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law. 
I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with XXXX XXXX. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that XXXX XXXX accepted those payments on XX/XX/2023. My payment never posted to my account and XXXX XXXX has taken my money. 
I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and XXXX XXXX has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with XXXX XXXX. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that XXXX XXXX accepted those payments on XX/XX/2023. My payment never posted to my account and XXXX XXXX has taken my money. 
I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and XXXX XXXX has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with XXXX XXXX. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that XXXX XXXX accepted those payments on XX/XX/2023. My payment never posted to my account and XXXX XXXX has taken my money. 
I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and XXXX XXXX has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This isnt my account I never applied or opened a XXXX XXXX account please help remove it

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date : XXXX XXXX Company : XXXX XXXX XXXX XXXX ran my credit without my authorization. I was not at the dealership this day, I did not give permission, my information was not verified. I sent a dispute letter over via email and spoke the two managers. They will not dispute my request. They are a dirty dealership and continuously lies.

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I did not authorize Fifth Third Bank to withdraw any funds. I submit a one time payment each and every month on the first of {$530.00}. Fifth Third, without my authorization, withdrew {$900.00} on XX/XX/2022, XX/XX/2022, and on XX/XX/2022. When I returned to the country and discovered the withdrawals, I notified Fifth Third and they admitted the error and on XX/XX/2022, they credited {$900.00} from the erroneous XX/XX/2022 charge. 

Fifth Third did not have any authority to withdrawal any funds from my account and did so without my consent or authorization. There are still two payments of {$900.00} that has not been returned. 

I did not authorize these withdrawals which has resulted in a financial distress situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: LA

Complaint narrative:
i got account that are inaccurate and need to be removed from my report asap!

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XX/XX/XXXX : I opened a dispute with XXXX to verify the account inforamtion and debt being pursued in the amount of {$1400.00} as the collection agency has reached the statue of limitation as well as the 7 year credit repair time period. 

XXXX XXXX XXXX : I recieve a letter from Jefferson Capital acknowdeging the statue of limitation and a last statement bill. However per the letter I sent, I requested more information such as the creation contract, last payment, ect. 

XX/XX/XXXX : I submitt another dispute to XXXX and uploaded the documentation I recieved as well as the letter I sent to Jefferson Capital. 

XX/XX/XXXX : XXXX updated the account to stay on record until XXXX, rather than confriming the discripency of information I requested an never reiceved. 

XX/XX/XXXX I received a pay to delete offer from Jefferson Capital for {$960.00}. 

This debt collection fraud and it has prevented me from purchasing a home and receiving high interest rates. This is negative effecting my life and would like the is resolved.

Company response to consumer: Closed with explanation