vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Respectfully, request dispute. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reprting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
I went out of state to Arkansas in XX/XX/2014. I was in a car accident and was in XXXX XXXX XXXX at the time I called my mother, XXXX XXXX XXXX on her cell phone from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX withdrawaled {$4000.00} over the course of 4 days. Without my permission. 

I contacted Regions Bank, to inform them that the transactions were unauthorized. 

For one the card that XXXX XXXX XXXX used was suppose to be deactivated upon activation of my new card that was in my personal possession at the XXXX XXXX XXXX XXXX in XXXX XXXX, AR. 

I submitted the unauthorized transactions complaint to Regions Bank. They did not pursue the complaint. Regions Bank stated, " The transactions were authorized. '' That was their response upon completion of their investigation. 

I don't know all the specific dates of interactions between the bank and I. But I do still have a copy of the complaint and dates that these transactions. 

I want this money recuperated to me. It was theft and it is not right that this was able to happen without consequences.

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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a Chase Sapphire preferred credit the total balance was {$12000.00}. Last year in XX/XX/XXXX was very sick i have to go abroad to take care my self because the hospital bill in USA are too expensive. I don't pay my credit for XXXX months because. I call Chase costumer service they tell me my credit is closed. I can not use it anymore. So my balance was {$12000.00}. Since then I pay XX/XX/XXXX XXXX I Pay : {$1500.00} XXXX I pay : {$400.00} XX/XX/XXXX I pay : {$350.00} XX/XX/XXXX I pay : {$400.00} XX/XX/XXXX I pay : XXXX My Total balance was : {$12000.00} So all my payments maid was total : {$2900.00} I see my balance is : {$11000.00} This is mean : Chase take the principaXXXX is only : XXXX And the interest is : {$1900.00} More than 100/ 100. It's why I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XX/XX/2021 is when the collection agency took over the bill. It's for {$470.00}. About 10 or 11 months ago I went into my credit report and I saw this negative report and I had no idea what it was. When I called them they didn't have my right address so I never got a bill from them. I told them the correct address and I told them to send all of it back to the original doctor not only did I never receive a bill the address isn't corrected and the original doctor hasn't gotten anything

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: OR

Complaint narrative:
On XX/XX/22 I obtained my credit reports from XXXX, XXXX, and Equifax and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX XXXX ( ACCT # XXXX ) and a XXXXXXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have a Discover credit card originally opened in XXXX in which I have a {$15000.00} credit limit and have used my limit. My current annual income which has remained the same over the past couple of years is around {$50000.00} - {$55000.00} I tried to contact Discover as I am currently going through financial hardship to see if we can settle on a lower balance as I feel Discover should have never approved me for such a high credit limit based on my income, it was only so they can charge me a lot of interest. I have other credit cards through XXXX, XXXX, XXXX bank, XXXX these lenders have given me credit limits from {$1500.00} to at most {$4000.00}. All the credit issuers use the same criteria such as income and cost of housing so I don't understand why Discover approved me for such a high credit limit which I now find difficult to pay and get out of debt. I believe it was so they could charge me a lot of interest.Back in XX/XX/XXXX Discover raised my credit limit from {$13000.00} to {$15000.00} without me requesting it and also approved me for another Discover credit card in XX/XX/XXXX with a {$4000.00} credit limit. I assume responsiblity as a customer, all that Discover offered me was to lower my interest rate on my credit card to 9.99 %. I feel that based on my income of {$50000.00} - {$55000.00} Discover should have never approved me for a credit line of {$15000.00}. The interest rate being so high has led to all my payments going to towards the monthly interest that ranged in {$250.00} range, making it impossible to pay my balance down. I have been a good customer never making late payments, always at least paying minimum, I believe that offering me a high credit limit was not done for my benefit but theirs, as they knew my income had stayed the same, but increasing my limit throughout the years without me asking them to and charging me a high interest rate, ensures they can make the most money off of me as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
They are reporting on my credit reports a collection account for XXXX. i have disputed multiple times with the credit bureaus and informed them this isnt mine. they refuse to provide proof that this debt from XXXX belongs to me

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 2022-07-12 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: OR

Complaint narrative:
On XX/XX/22 I obtained my credit reports from XXXX, Transunion, and XXXX and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX ACCT ( ACCT # XXXX ) and a XXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop 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 non-monetary relief
Consumer complaint received 2022-07-12 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: OR

Complaint narrative:
On XX/XX/22 I obtained my credit reports from Experian, XXXX, and XXXX and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX ACCT ( ACCT # XXXX ) and a XXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop 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 2022-07-12 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: GA

Complaint narrative:
I received an email from Experian " screenshot attached '' for which I followed the links and viewed the changes to the report. However, they continued to leave names I have never been known by and I proceeded to click the dispute buttons and proceed to dispute 6 names I am not known by, then it tells me the disputes are not sent " See Screenshot '' and asked that I call a phone number so they can help you. I have tried endlessly to speak to a live person but their " BOT '' always says, no representative is available how can I help you '' and of course, it eventually hangs up on me. I have submitted my Driver license as proof of my identity, my address, and my name, and apparently, that is not good enough either. I have attached a copy of my driver license as well. 

This has now gotten into what I believe is Pure Harassment and Abuse. 

I received a phone call yesterday from a company that states that the Credit Bureau provided my personal information to them and I do have that on a recording. I have spent well over a year telling them to quit selling or giving my information out to companies to call me, as I am on the " Do Not Call List '' and they just continue to do so. I believe this is where the Identity Theft Originated From, as several companies have indicated this scenario and two have been confirmed to be Scammers. 

I personally tracked down one large group of Student Loan Scammers and Have ALL of their information. Ironically that group has an account with Experian enabling them to run credit reports on people ( I have valid proof on that too ). 

I had to remove all of the XXXX  accounts from Experian due to the fear that my information has been provided to more scammers than I am currently aware of. 

I recently started the process of a USDA Direct Home Loan and as a result of all of Experian 's Games with my credit score and refusal to fix the inconsistencies on my credit report, I may be denied that opportunity. I had a score and now I don't.

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 2022-07-12 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. 

Auto sales pre-qualification became hard inquiries

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 2022-07-12 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: CarMax, Inc.
State: MD

Complaint narrative:
I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. 

Auto sales pre-qualification became hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. 

Auto sales pre-qualification became hard inquiries

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 2022-07-12 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: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A credit card account with Capital One was open without my knowledge I obtained a police report spoke with Capital One and had the account removed from two of the three credit bureaus I have disputed the charge with XXXX and they will not take it off my credit report after several disputes I even sent a police report and an affidavit statement that the charge was not mine and they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus stated my account received a properly investigation of my disputes but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-07-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: GA

Complaint narrative:
A credit card account with XXXX XXXX was open without my knowledge I obtained a police report spoke with XXXX XXXX and had the account removed from two of the three credit bureaus I have disputed the charge with Experian and they will not take it off my credit report after several disputes I even sent a police report and an affidavit statement that the charge was not mine and they refused to 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have two inquiries from XXXX XXXX I do not know about - 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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation
State: MI

Complaint narrative:
I opened my account with Albert Bank in late XXXX ( around the XXXX ) after my friend, ( initials XXXX ), referred me to their app. There was a promotion where the referrer and the referee will receive {$500.00} if certain terms and conditions are met. I explicitly remember my friend 's name showing up when I opened my account, indicating that the referral had processed properly. 

Recently, I had completed all of the requirements needed to receive the {$500.00} bonus. However, when I reached out to customer service at Albert Bank, they said there was no referral tied to my account. It sounds as though they are trying not to pay out the referral bonuses that are rightly due to my friend and I. 

My friend has also reached out to their customer service indicating that he did indeed refer me but we have received no response or indication that they will make things right. I have heard that others have had this same problem with Albert Bank so I do hope that they remedy the situation for all involved parties. 

Thank you for your help and support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation