vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 602 A. states I have a right to privacy.

15 U.S.C 604 A. Section 2 states a consumer reporting Agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat payment on a credit card account under open end consumer credit plan as late for any reason. 

These or the name of the Accounts. # XX/XX/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 2023-10-05 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: Kansas Counselors, Inc.
State: MO

Complaint narrative:
XXXX wrong full charged for ambulatory services I disputed chatge because I had and have medicaid which covers ambulatory services by law in the state of missouri and prior to mediciad i had XXXX XXXXXXXX XXXX percent cover 5 years prior and have had mediciad foe previous 2 ywars and still have medicaid and I uploaded the verification and dates of my medicaid by show of award letter and my ssi including issue dates which cover the date of charges i should never have been charged agyer disputed chatge and showing XXXX XXXXXXXX coverage 5 yeats prior to the charge date and mediciad coverage covering the date of original charge experience refussed to acknowledge the evidence and remive the wrong charge damaging my otherwise flawless credit report they accepted the word of kansas counselors that the charge it legit without their validation despite my valid proof I was wrong charged and the negative mark must be removed today they closed the appeal review unfairly in kansas counselors favor on XX/XX/XXXX in regards to ambulatory services provided in XX/XX/XXXX and I've been on medicaid the entire year of XXXX and XXXX by law state of Missouri medicaid covers ambulance services so they were never to charge me let alone mark a negative report to the 3 credit agencies and not be able to get it remove by any despite valid proof of wrongful charge and then to further violate my rights to fair credit reporting the reporting agencies have allowed it to remain even after evidence shown in appeal request the wrongful charge remains and has been unfairly closed against me it remains rules i favor of kansas cou selors because they say chatge is etified and valid by my evidence ce showed i should have never been charged upon appeal ita clear to see the fair thing to do after reviewing my medicaid coverage date was to remove to wro gful chatge but that fair treatment did not happen and wrong ful chatge negative mark remains as the only negative on my crdit report since i have been told the only revourse i have os to file a co plai tbere ive been left no cboice but to seek tour advocacy i am sorey to borher you with this but when I showed clear evidence to the gats stated herein it's absurd to think that even when I showed proof to these fast i was dismissed further this should have been removed from all 3 credit reporting agencies but I have been dismissed dispite showing valid proof of my claim I seek assistance to fair credit reporting and request the matter be investigated i thank you and appreciate your advocacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. 
XXXX, XXXX. XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
To whom it may concern, I, am writing about my credit account with XXXX credit card. I established a hardship contractual agreement in XXXX of 2023 to make a monthly payment toward this account of an amount both parties agreed to. I have and continue to make payments as agreed and on time!! My credit report with the credit bureaus continues to reflect that NO payment has been made as agreed upon. My XXXX payment was made via phone with a representative after much difficulty. I made two separate payments in XXXX, on the XXXX as scheduled, and a second extra payment on XX/XX/2023. A payment for the month of XXXX was also made on time as scheduled and is yet to be reflected. In fact, the credit bureau report reflects XXXX an XXXX  payment was made for XXXX, and the XXXX payment is not acknowledged at all either. This is contrary to the fact two payments were made in XXXX along with my payment in XXXX as scheduled. Despite the fact I had a confirmation number for my payment, I also spoke with a XXXX supervisor who also confirmed the payments had been received but gave no information as to why payment was not being reported. Hence, the company continues to report nothing for more than 60 days OR report it was not received either. I have filed a dispute through XXXX disputing this report on my credit report and spoke with a credit card supervisor asking for this to be corrected. However, to my dismay, XXXX credit company still refuses to correct my credit account and reflect payments made as agreed to my 3 credit bureau reports. 

I am seeking to have my payment history updated and credited accordingly immediately to reflect the correct credits to my account. 

No one especially a senior should have to be subjected to all this!! Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$54.00}

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
Consumer complaint received 2023-10-05 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$54.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. TransUnion is fully aware of this, they have been notified by several federal agencies including the CFPB and still refuses to block and or delete the fraudulent accounts on my credit report. They claim they investigated, they have not provided any evidence of this scam investigation. They continued to violate the federal laws and my rights under federal laws. This intentional Defamation. Upon my investigation into Transunion, Transunion is generating revenue off the fraudulent information they are reporting on my credit report which gives them ZERO motivation to correct their errors. Im filing this complaint to verify that I have tried every legal way to resolve this issue with Transunion. We will be seeking {>= $1,000,000} Federal Defamation Lawsuit if this is not resolved in 5 business days.

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 2023-10-05 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: IL

Complaint narrative:
Equifax is reporting this inaccurate account XXXX XXXX Account # XXXX and has been inaccurately reporting wrong information on my credit for years, they keep updating it with more inaccurate information and claiming they verified it. This account is 7 years old, how is it now reporting last payment {$100.00} dollars on XXXX of 2021, I keep requesting, the names and business addresses of each individual with whom verified the information, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information. But my request have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

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 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, Sorry the at I did disputed this same issue 2 times on XXXX but due to my English is limited I keep making mistake. Hopefully I filed correct this time. 

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. I told the XXXX, XXXX, and Equifax to reinvestigate these Account name : XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate But how is that possible if I never authorize a hard inquiry pull on XXXX XXXX. I only authorized a soft pull credit only and never except offer. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

In addition. Equifax date has been on XX/XX/XXXX. Now I noticed there at least 30 soft inquires showing on my Equifax credit report in 1 months!!! If this problem is not resolve I will hire a lawyer and take it to another level. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. DEPTEDXX/XX/XXXXXX/XX/XXXX ACCOUNTS XXXX andXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On Wednesday XX/XX/2023 at approximately XXXX Arizona time I chatted through my Apple Card Wallet App on my XXXX ( there is a chat feature there ) to " XXXX XXXX and politely explained that I want to close my Apple Card aka Goldman Sachs credit card and want confirmation sent to me. I previously asked them to lower my rate on numerous occasions and they repeatedly and abruptly refused. In addition, to earn the " cash rewards '' called " XXXX XXXX '' they require you to open up a separate account to actually get the rewards, instead of just mailing you a check or transferring it to your own bank account. But mostly I just wanted to close my account and be done with the XXXX Credit Card and Goldman Sachs. After several minutes of chatting and sharing all of this information, XXXX said he is unable to close my account and needs to transfer me to a supervisor. I feel Apple Card and Goldman Sachs purposely make it difficult for consumers to close their accounts so they can figure out a way to continue to charge interest and fees to them. They also make it difficult to remove the Apple Card from various accounts including XXXX : I have tried deleting my Apple Card from the XXXX app without any success. On top of that, I feel they are doing a " bait and switch '' by not allowing customers to access the " 3 % cash rewards '' they promise you when you use their card. Mostly I just want this account closed " at consumer 's request '' so it reflects correctly on my credit card. I do not want to be sold why I need to keep my Apple Card aka Goldman Sachs card and be coerced into paying almost 30 % interest. This company should not be allowed to do credit card business in the state of Arizona or anywhere in the United States. I know Goldman Sachs is a rich huge company but their behavior should be illegal. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
I have been getting denied business credit and found out that my business can't be verified due to the fact that old information from old checking accounts with XXXX XXXX XXXX XXXX. I have called them multiple times and gave them updated info only to be told that the information never updated after I was told that it was and then they said supposedly the only way to update my old information to current information is to pay the old balances I owe, which frankly I don't understand. Does the system open up after I pay old outdated balances that magically allows them to update info?? The information reporting to LexisNexis is stemming from this company. My address and phone number is all I need to update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uplift, Inc
State: TX

Complaint narrative:
This complaint is following an attempt by Uplift in collaboration with XXXX XXXX to defraud a customer for services they did not provide. I had filed a complaint against uplift in 2022 for a full refund of the money I paid to them for service that was never received after a representative of XXXX XXXX misplaced the birth certificate of our daughter jeopardizing our planned vacation trip. To add salt to the wound, Uplift did not only refuse refunding the money we had paid to them, they are attempting to ruin my credit by sending the balance to collection. This is nothing short of a mean and heartless set of individuals out to rob united states citizens of their hard earned money and credibility. Uplift, through a collection agency known as XXXX XXXX XXXX, reported a balance of {$780.00} after withholding over {$1200.00} that should be refunded. This credit reporting has caused damage to my credit score and it is affecting me negatively which goes to buttress the reason for filing this complaint as this is a mean-spirited move by uplift and all involved to further ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-10-05 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: NJ

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 explanation
Consumer complaint received 2023-10-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation