vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus is reporting my name wrong and they refuse to remove it. I have sent in multiple letters asking them to update the correct spelling of my name and they refuse to do it. This has been a frustrating process and its hindering me from moving forward. The credit bureaus is violating my right by reporting inaccurate information on my credit file. 15 USC 1681 ( a ) ( 4 ) -There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The credit bureaus did not do their investigation.

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 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2023 tried to add American Express Pre-paid gift card in XXXX  wallet as a credit card. It was added into my XXXX account but it required to verified card info by adding small amount but before even doing that a message says the card had been declined by issuer. Contacted American Express Giftcard call center XXXX, they claiming that XXXX is the one who declines and the Gift card type that I have is unregistered, meaning no address added to verify, it might be the reason. The problem is there is no option to register my billing address with Amex and the customer service rep also confirmed that. No option to add billing is not user 's fault and American express should have not sold the card if they limits on the merchants and should have not claiming their pre-paid card type as anywhere card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX I opened a credit card with the Bank of America and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for XXXX years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the Bank of America send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that.

Thank you!

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 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
After receiving a collection letter from the company, Source Receivables Management, I sent a letter of validation of debt on XX/XX/XXXX  because I didnt recognize the company name or the alleged debt they claimed I owed to them. After about a month later the company replied with a sum of charges that did not in fact show any connection between me or the debt they claimed I owed. In the letter I sent to them, I asked for a copy bearing my signature that showed I had any contractual or ever had any contractual agreement to pay them. They have failed to validate this debt and show any connection between me and their company. I believe they are committing fraud on my name and they are currently reporting a debt on my credit that they have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
I have submitted several attempts to ask credit bureaus to fix a simple with an account with Ford credit. They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I wrote a letter to the company to please remove my derogatory remarks and was denied. I don't know the exact date but I sent the letter to the corporate headquarters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: SC

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-05-13 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: SC

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022.

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 2023-05-13 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: M&T BANK CORPORATION
State: IN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX Inquiry from M & T BANK XXXX  on Date : XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This inquiry from M & T BANK XXXX is fraudulent, because I did not authorize this company to pull my credit file.

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 2023-05-13 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: TX

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: Self Financial Inc.
State: GA

Complaint narrative:
I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( XXXX ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- XXXX XXXXXXXX XXXX XXXX  Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms 12 Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13 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: Kikoff Inc.
State: GA

Complaint narrative:
I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX  XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XX/XX/Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( 30 ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- KIKOFF LEND - XXXX Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms XXXX Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against XXXX XXXXXXXX for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus. Specifically, XXXX XXXX has been reporting inaccurate payment history and amount owed on my account, which has had a significant negative impact on my credit score and financial standing. 

Despite numerous attempts to rectify these issues with XXXX XXXX directly, I have not been able to obtain a satisfactory resolution. Furthermore, these inaccuracies have resulted in XXXX XXXX reporting misleading information to credit bureaus, in violation of my rights under the FCRA. 

As a result of XXXX XXXX 's inaccurate reporting, my credit score has suffered a significant drop of XXXX points on three separate occasions in the past 90 days. This has caused me undue stress and financial hardship, as it has made it difficult for me to obtain credit and other financial services. 

Under the FCRA, XXXX XXXX is required to provide accurate information to credit reporting agencies, including payment history and amount owed. Furthermore, if XXXX XXXX becomes aware that any information it has provided to a credit reporting agency is not accurate, it is required to promptly notify the agency and provide corrected information. 

Therefore, I am requesting that XXXX XXXX be held accountable for its violations of the FCRA and that any inaccurate information be removed from my credit report. Additionally, I am requesting that XXXX XXXX be required to pay {$100000.00} damages for harm that has been caused to my credit score and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!

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 2023-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DPT EDXXXX XXXX Balance : {$0.00} - XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief