vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Good day. I am making a complaint about an American Express charged off account. The account has been closed since XX/XX/2018 and is currently " charged off as a bad debt. Canceled by credit grantor '' ( these are the exact words on my credit report as per Transition ) and yet I am still incurring charges every month on this account as if it was still open -- therefore increasing the amount originally charged off. I would like to have a resolution to this issue and to understand if American Express can still add charges to a charged off/closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX  - Acct XXXX XXXX XXXX - Acct # XXXXXXXX XXXX  - Acct # XXXX XXXX- Acct # XXXX XXXX Card - Acct # XXXX XXXX/XXXX  - Acct # XXXX XXXX  XXXX  - Acct # XXXX First XXXX - Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired XXXX XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and 1 more EXPERIAN Inquired on XX/XX/XXXX and 46 more EXPERIAN Inquired on XX/XX/XXXX and 20 more EXPERIAN XXXX Inquired on XX/XX/XXXX and 31 more EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired XXXX 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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 2023-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company was not authorized to pull my credit report on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 2023-02-11 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: NJ

Complaint narrative:
MY CREDIT REPORT IS INACCURATE AND SOME INFORMATION IS FALSE. These hard inquiries needs to be deleted off my credit report with TransUnion because they do not match my XXXX or XXXX or XXXX credit report, nor did I authorize the creditors to get access to my credit report, MY CREDIT REPORTS FROM ALL 3 CREDIT bureaus ARE FROZEN. DELETE THE FOLLOWING BECAUSE IT IS INACCURATE - - - - - - - - - - - - XXXX XX/XX/2022, 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 XXXXXX/XX/2022, XXXX XX/XX/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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2022 I made a payment on my XXXX secured credit card with a limit of {$300.00}. A couple days later I received a notification and email that payment posted and it reflected in my bank account. A week or two later I got another notification that my account was over the limit. Knowing I hadnt used it I checked to find out why and the payment wasnt reflecting and my balance was actually $ XXXX more than the original amount prior to the payment. I tried calling which i normally dont have an issue with but unable to reach anyone. This over the limit amount and late payment immediately reflected on my credit report. After trying to contact the company and resolve this with no luck I disputed it through Experian this morning. Within an hour of disputing I received a notification from Experian about the change of status of the XXXX account. Feeling relieved that the company resolved their mistake I checked the status to find there was an additional {$100.00} added to the balance!!! But yet my payment history still shows current. These inconsistencies are proof of their unreliability and false reporting. Additionally youll find the attached screenshots of the unavailability of more current than XX/XX/2022 info in my account available

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX and 1 more XXXX Inquired on XX/XX/XXXX and 46 more XXXX Inquired on XX/XX/XXXX and 20 more XXXX XXXX XXXX on XX/XX/XXXX and 31 more XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION XXXX I Inquired on 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 2023-02-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX and 1 more XXXX Inquired XXXX XX/XX/XXXX and 46 more XXXX Inquired on XX/XX/XXXX and 20 more XXXX XXXX XXXX on XX/XX/XXXX and 31 more XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TX

Complaint narrative:
This account is closed but still reflects 30 days past due in payment status and 30 days late after several disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is closed but still reflects 30 days past due in payment status and 30 days late after several disputes.

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 2023-02-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX XXXX XXXX GA XXXX is not my address. 

Also inquiries are reporting on my report that I dont recognize XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

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 XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: WELLS FARGO & COMPANY
State: AZ

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 XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX Wells Fargo Account # XXXX XXXX XXXX XXXX Section XXXX States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-11 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: NJ

Complaint narrative:
This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. XXXX had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing XXXX did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. XXXX had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing XXXX did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.

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 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When attempting to have a cashier 's check issued I was told that I didn't have the type of account required to have a check issued for free. Fee {$10.00}. Teller tells me I must hold a balance of XXXX to have the check issued for no fee. I walk away and speak with a manager who tells me I just have a balance of XXXX for the fee to be waived. I do, balance XXXX. Then he says, you don't have right type of account. You must have an account that holds a balance of XXXX ... so within one day and 2 folks I get 3 different answers. Being a loyal customer since 1991 means nothing and then you are giving me different answers for why a fee of {$10.00} is being charged for a cashier 's check. Concerning and being that I am XXXX, I have a feeling this rule was put into place while I was in the lobby.

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 2023-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: MA

Complaint narrative:
After review my credit profile on XX/XX/XXXX Identified a discrepancy with account listed under Williams Rush & Associates LLC and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect in my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and second validation letter is send out this day. After reviewing credit report again on XX/XX/XXXX ( This account is involved in litigation ), there have been no updates and account is still reflecting in the report. I do not believe the account belongs to me nor do I believe that creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credits bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is closed but still showing Collection/Charge-off as a payments status and {$710.00} past due plus account remark as " Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. ''

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company pulled my credit report on these dates unauthorized XX/XX/XXXX, XX/XX/XXXX, 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 2023-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This company pulled my credit report on these dates unauthorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: AL

Complaint narrative:
I HAVE REACHED OUT TO THIS COMPANY NO LESS THAN 3 TIMES. THEY HAVE FAILED TO PROVIDE PROPER VALIDATION AND CONTINUE TO REPORT THE ACCOUNT IN ERROR. ACCOUNT NUMBER IS REPORTED WITH SYMBOLS. ACCOUNT STATUS IS NOT IN COMPLIANCE. IT HAS NOT BEEN 12 MONTHS SINCE THE ORIGINAL DATE OF SERVICE. HIPAA VIOLATION AS I GAVE NEITHER PARTY PERMISSION TO SHARE MY MEDICAL RECORDS. THE SUPRISE BILLING ACT HAS ALSO BEEN VIOLATED.

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