vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX I have a hard inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from JPMCB, on XX/XX/XXXX I have 2 hard inquiries One from XXXX XXXX and XXXX from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
Loan taken XX/XX/XXXX for {$1300.00} first monthly installment was XX/XX/XXXX ( I believe ) for XXXX automatic deductions from my bank account. This continued until XX/XX/XXXX every XXXX or XXXX of the month. Last payments were XXXX for some reason this loan was sold to XXXX XXXX XXXX. XXXX attempted to sue me in XXXX, XXXX and the case was Dismissed. They filed suite against me on behalf of Avant again in XX/XX/XXXX ( I was not notified ) default plaintiff warrant in debt for XXXX. Sued again in XX/XX/XXXX on behalf of Avant for XXXX not notified and defaulted plaintiff warrant in debt. Again Im XX/XX/XXXX ( again never served ) XXXX for garnishment and the case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
IMPROPER USE OF MY CREDIT REPORT XXXX XXXX XXXX IS ON MY CREDIT REPORT AUTHORIZED USER ACCOUNT NUMBER XXXX. THIS ACCOUNT WAS ADD TO WITH OUT MY CONSENT I REPEAT THIS ACCOUNT WAS ADD TO MY ACCOUNT WITH OUT MY CONSENT I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I TOLD THEM THIS IS HURTING MY CREDIT PLEASE REMOVE ME FROM AUTHORIZE USER ON MY REPORT ASAP MY HUSBAND AND I HAVE FILED POLICE REPORT ONTHIS ISSUE MONTHS AGO AND THEY ARE LOOKING FOR THE GUY PLEASE REMOVE OFF 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 non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$250.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX Experian decreased by XXXX XXXX by XXXX point due to my car payment being late. My car loan is XXXX XXXX paid off and Ive never been late on a payment since I purchased my car. Once I put in a dispute explaining that my one and only late payment has been made of ( {$610.00} ) my score hasnt change any. I dont understand how one late payment can change your XXXX XXXX by over XXXX points but once its paid my XXXX XXXX doesnt move back at all? Not even one point? I dont think Experian is accurate with the way they make changes to my XXXX XXXX or the way they handle my disputes. I always have to dispute things with them. Just last month they has my student loan ( {$42000.00} ) listed twice showing twice the balance ( {$85000.00} ) Once for XXXX and then once for Dept of Education. When I spoke with Dept of Education they said they are not a loan service company so they would have never reported that to Experian. Once I filed that dispute with Experian on XX/XX/18 they removed the Dept of Education loan that should have never been listed on my credit report in the first place. I am not sure who is retrieving my dispute info or who makes the changes to my XXXX XXXX but I will be filing complaints with as many agencies as possible about the way things are reported and the way they affect my XXXX XXXX. Also the difference in my XXXX XXXX with all three bureaus which makes no sense to me being that I am the same person so the same information that is on one report should be on the other or pretty similar. My XXXX or XXXX scores are nowhere near my Experian which tells me that there is a lot of inconsistencies in the way things are reported so that is why I am filing a complaint on my behalf.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please refer to complaint number XXXX within your company. 

Experian is the only credit reporting agency that has not removed this debt. 

FCRA indicates creditors have a certain timeframe to validate a debt. Once that timeframe has expired that debt should be removed from the debtors credit profile if not validated within a certain timeframe. 

Experian is in violation of my rights and has not followed through on rights under FCRA. 

They must follow suit and removed this debt.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX I have a hard inquiry from sycn/sam XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, on 7XX/XX/XXXX I have 2 hard inquiries One from XXXX XXXXXXXX and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I have a hard inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, XXXX XX/XX/XXXX I have 2 hard inquiries One from Capital one and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from Capital one bank. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Since I was XXXX, I have always paid the statement balance for all my credit cards. I have never been charged a late payment or interest in my life. Since taking out a promotional loan from Citi Bank, the statement does not correctly show the amount I need to pay to avoid interest charges. The statement includes the interest-free loan as what is due and does not separate new charges appropriately. For the last 4 billing cycles, I have called in, sometimes multiple times for one issue, requesting the correct amount to pay to avoid accruing any interest. Each time I call, every agent always starts with the same answer, they include the account balance as the amount I need to pay which includes the interest-free loan. I then explain that I have the interest-free loan and then they gave me the amount that is labeled on my statement as " Purchases ''. I pay that amount and then get charged interest. After the first time this happened, I called back to figure out what went wrong and all I got were the same answers. One agent even told me that I owe money for the transactions that are current but have not been generated on any bill and were transacted after the most recently generated bill. I am filing this complaint because I am at a loss. I have tried for 4 months to get in touch with someone who can help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alorica Inc.
State: PA

Complaint narrative:
Systems & Services Technologies , Inc. ( SST ) fraudulently opened an account on XXXX, XXXX and XXXX. This has damaged my credit score by over XXXX points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and provided nothing besides to say the account was transferred to a third party on XX/XX/23. This information was not enough to justify the debt, negative payment history, and derogatory account status on my credit. They never sent a debt verification letter like I requested. They were unable to provide the date my account was opened, only the date the account was closed and transferred. Earlier this year, I was harassed by recieving multiple robocalls a week at all times a day to collect a debt I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
This company is called security credit services and they have not answered any of my phone calls in question about a collection that was put on my credit report. It was opened in fraud and this specific company is known for fraud. I have never even heard of this collection. Its stated it was opened on XXXX XXXX and I owe XXXX. I have tried to contact then but I have received no call backs and I put in a dispute and they even said I still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 in the amount of {$560.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$890.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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