vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the DATE OPENED, LAST REPORTED, DATE LAST ACTIVE AND DATE OF LAST PAYMENT all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the DATE OPENED, LAST REPORTED, DATE LAST ACTIVE AND DATE OF LAST PAYMENT all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the DATE OPENED, LAST REPORTED, DATE LAST ACTIVE AND DATE OF LAST PAYMENT all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a used car at the end of XX/XX/2023. Two days later I went to the dealership and had them add an extended warranty. The dealership said they would have to redo the first contract. I cancelled the extended warranty the next week because I got approved for a refinance with XXXX XXXX XXXX. The refinance happened in XXXX because I was supposed to make my first payment to Truist in XXXX. However, the dealership sent in the second contract after the refinance and now Truist is saying I owe them the monthly note and they have reported that my payment is past due. I disputed this on my XXXX credit report and somehow it was verified as being correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
So here we are again, Harrassing me once again with my account and taking the no preset limit away just as you did in XX/XX/XXXX. Your actions are uncalled for and your company is nothing but a disgrace. Let me tell you that out of all my creditors, I carry the AMEX cards, XXXX cards, XXXX and XXXX and you are the only creditor to ever give me a hard time. No other creditor has ever adjusted my limits. Its harrassment and it needs to stop. If you do not put my account back to no preset limit, i will find cause to sue you in a court of law. You did the same thing to me on my Delta Skymiles card. I used it for a {$38.00} purchase and you took my limit down to {$2100.00}. Do you think its cute that you can bother people like this. Im telling you XXXX XXXX XXXX XXXXXXXX right now, your going to knock this XXXX off. I am also telling you that I AM NOT PAYING YOU {$690.00} ANNUAL FEE TO CARRY A CARD WITH A {$4300.00} LIMIT. It is not happening. If you do not waive the fee for the 2 problems you have caused me in a 6 month period I will purposely default on my credit cards with you and I dare you to send me to collections or attempt to sue me. Just try me. I guarantee you, you will not win. I have so much evidence and proof of you being corrupt, making false statements, defamation of character, making false representations from my credit. You stated in a letter on XXXX that i had to many requests for credit. Again, the only Inquiry i have is from XXXX and due to fall off in XX/XX/XXXX. So there again, another lie. When i contact XXXX they tell me they have no idea where you are getting your information from. Therefore, I am unable to dispute anything because my credit report is completely accurate. I cant dispute inquires when i only have 1. As far as the payments made, you send me a bill with a minimum due on it, I pay that to satisfy that month, again your actions are absurd to treat and act this way to a good paying customer. The reason why people choose to quit paying you is when you start playing games such as this. Your no different then XXXX, XXXX or XXXX. In fact they know how to treat customers- WITH RESPECT. You are a woke, leftist organization with high crime on the inside with employee corruptness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: NV

Complaint narrative:
As of XX/XX/2023, Equifax Online website and their affiliate XXXX XXXX is still illegally reporting that my XXXX XXXX account is a Closed Account! Equifax is deliberately attempting to sabotage my credit worthiness due to a redeemed repossession which took place back in XX/XX/2023. This repossession was redeemed within 24 hours however Equifax, now the ONLY credit bureau is still illegally reporting both ONLINE and with its affiliate XXXX XXXX that the account is closed which is negatively affecting my credit score. I have made at least 7 phone calls to their representatives since XX/XX/2023 who are obviously not based in the United States demanding an accurate reporting of the ACCOUNT STATUS however my dispute requests over the phone are not being honored because I am still technically being prevented from issuing a dispute online for an account being illegally listed as closed account. Their representatives KEEP telling me that my actual report status states the account is open from their view ; However the actual online account details both on the Equifax website and with their affiliate XXXX XXXX CONTINUES to show the account is closed which is a clear contradiction to the facts about this XXXX XXXX Account. XXXX XXXX has sent information directly to all bureaus stating this account was redeemed in XX/XX/2023 and the account status should report as OPEN. All other bureaus, XXXX and XXXX have since updated their credit reporting to reflect these details both online and on my credit report that was mailed to me. However Equifax insists on avoiding multiple request by both me and XXXXXXXX XXXX to update this account across all channels!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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:
Im sending in my dispute letters to the credit bureau and Im getting a generated response from the credit bureau stating that they dont believe the letter came from me and they are not responding or investigating my report correctly and I would like a response promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im sending in my dispute letters to the credit bureau and Im getting a generated response from the credit bureau stating that they dont believe the letter came from me and they are not responding or investigating my report correctly and I would like a response promptly

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 2023-09-09 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: CA

Complaint narrative:
Im sending in my dispute letters to the credit bureau and Im getting a generated response from the credit bureau stating that they dont believe the letter came from me and they are not responding or investigating my report correctly and I would like a response promptly

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 2023-09-09 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: OR

Complaint narrative:
My account was settled and paid off. The company didnt report to the credit reporting agencies as agreed upon in the settlement agreement. 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 2023-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
In XXXX while living in XXXX md, I signed up for XXXX XXXX, with an 18 month contract. Within the contract they were supposed to provide internet that could support streaming and cable for XXXX a month. Long story short they could not provide speeds that supported their own on-demand features and the account was downgraded to cable only for XXXX. XX/XX/XXXX I took a new job and moved to XXXX. Paying my final bill and closing the account. Keyword ... XXXX. The debt this CA is trying to claim on my credit report is one, inaccurate as the debt was paid and the account closed. More importantly, they are falsifying the dates for XXXX so they can impact my credit for the 7yrs its allowed and try to scam and extract money from consumers not owed. This company needs to be investigated for their attempts at collecting on a debt not owed, falsifying amounts and most importantly intentionally listing inaccurate dates to drive up their probability of payment on a collection. It is their responsibility to list the CORRECT and true information of a debt. I don't know how long this has been going on but I find it completely unethical for a CA to use such dishonest tactics to scam consumers and attempt to extort them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX has an account on my credit report in the amount of XXXX.That is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.

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 2023-09-09 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: NV

Complaint narrative:
As of XX/XX/2023, XXXX Online website and their affiliate Credit Karma is still illegally reporting that my XXXX XXXX account is a Closed Account! XXXX is deliberately attempting to sabotage my credit worthiness due to a redeemed repossession which took place back in XX/XX/2023. This repossession was redeemed within 24 hours however XXXX, now the ONLY credit bureau is still illegally reporting both ONLINE and with its affiliate XXXX XXXX that the account is closed which is negatively affecting my credit score. I have made at least 7 phone calls to their representatives since XX/XX/2023 who are obviously not based in the United States demanding an accurate reporting of the ACCOUNT STATUS however my dispute requests over the phone are not being honored because I am still technically being prevented from issuing a dispute online for an account being illegally listed as closed account. Their representatives KEEP telling me that my actual report status states the account is open from their view ; However the actual online account details both on the XXXX website and with their affiliate Credit Karma CONTINUES to show the account is closed which is a clear contradiction to the facts about this XXXX XXXX Account. XXXX XXXX has sent information directly to all bureaus stating this account was redeemed in XX/XX/2023 and the account status should report as OPEN. All other bureaus, XXXX and XXXX have since updated their credit reporting to reflect these details both online and on my credit report that was mailed to me. However XXXX insists on avoiding multiple request by both me and XXXXXXXX XXXXXXXX to update this account across all channels!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I discovered that there is loan under my name which I don't apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for secured credit with Capital One XX/XX/XXXX and was approved with a deposit amount of {$200.00}. I made the deposit XX/XX/XXXX via my checking account. I got a email prior to this call XX/XX/XXXX that the card would be delivered by XX/XX/XXXX. I received a phone call XX/XX/XXXX stating that my information was flagged and I wouldnt be able to use the card nor receive it. I was told to send my drivers license, social security card, utility bills and 3 statements in which I did. The issue at hand is why was this information not requested when I applied for the card prior. Now I have to wait additional time to receive my card which has caused an inconvenience. I applied to help with my credit as Im repairing but they have done this last minute which is outrageous. I sent over the documents that they requested but was told I would have to wait an additional 7-10 business days which is another outrageous process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX I spoke to a rep who transferred me to XXXX in online dept. On fixing my accounts to link properly. He told me Id have to close both my bank cards out & start over with a new log in to link my accounts correctly that truist didnt do right when I added a new checking account. He then told me to call the branch rep who linked the account named XXXX XXXX at the XXXX. XXXX branch was supposed call me back to link my cards on XXXX Im still awaiting her call. Then, I called truist on again spoke to XXXX XXXX XXXX XXXX. I had {$540.00} in my savings & truist charged me {$36.00} fee & they didnt transfer the funds over to business account like they automatically do my checking account. They setup my accounts wrong. I dont have overdraft on business account & then I can only see my business card under a different log in. I cant see my personal card at all. My card was lost & had to be replaced a week ago & I couldnt freeze my card. Someone could have taken all my money out & truist isnt available to speak to on the weekend but limited hours. Its sad I couldnt freeze the card when it was lost. The bank hasnt fixed it after numerous calls & transfers. Ive been trying to fix this for months & truist hasnt fixed. 
>>>>>Im requesting the {$36.00} fee be waived on my business account & they link both my cards under one log in like they should have did when it was open. Not to mention, I opened 3 accounts for my minor daughter & it was rushed by a XXXX rep who first didnt link the accounts at all. I spoke to supervisor, XXXX XXXX XXXX XXXX XXXX as a call back. Shed refused a courtesy refund & was rude about 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX has an account on my credit report in the amount of XXXXThat is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX has an account on my credit report in the amount of XXXX.That is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Dave Operating, LLC
State: VA

Complaint narrative:
My card was charged twice for XXXXXXXX XXXX and {$10.00}. These charges were not me and I have tried contacting them and disputing but its been almost two weeks ... Dave XXXX  has failed to get back in touch with me ... Customer XXXX phone line never works ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting 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:
I am writing to dispute the accuracy of the information on my Experian credit report regarding the account mentioned with XXXX XXXX XXXX. The reported account status as " Account charged off/Never late '' is inaccurate and misleading. I am requesting a thorough investigation to rectify this error. 


I hereby dispute the following : Account Information : Account Name : 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 


I dispute the accuracy of this account status for the following reasons : Payment History : Contrary to the reported status of " Account charged off/Never late, '' I have consistently made on-time payments as per the terms of the 72-month installment loan. Specifically, in XX/XX/XXXX, I made a payment of {$2900.00}, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. My payment history has been characterized by diligence and punctuality. 


Discrepancies in Account Balance : I have received correspondence from XXXX XXXX XXXX ( XXXX ) indicating that a settlement payment of {$23000.00} was received from XXXX XXXX on XX/XX/XXXX, which was subsequently applied to my account balance. Additionally, they noted refunds for ancillary product cancellations and other account credits totaling {$3500.00}, resulting in a balance of {$3800.00}. However, I have not received comprehensive information regarding these transactions, and I am concerned that they may have been inaccurately calculated or applied. 


Missing 1099-C Form : Furthermore, I would like to bring to your attention that XXXX XXXX XXXX has failed to provide me with a 1099-C form for the written-off amount of {$3800.00}. This omission is significant as it should result in the reported balance being zero, in accordance with tax regulations. 


I earnestly urge you to take prompt action in updating my credit report to accurately reflect the details of my payment history and resolve the discrepancies presented. Given my consistent record of responsible financial conduct and adherence to the payment schedule outlined in the original agreement, it is crucial that my credit report accurately reflects this information. 


I kindly request that you conduct a thorough investigation into the accuracy of the reported account status, the handling of insurance proceeds and account credits, as well as the missing 1099-C form. As per the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to complete this investigation and provide a response.

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