vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
I WAS REVIEWING MY RECENT CREDIT REPORT AND THERE WERE ACCOUNTS WHICH ARE NOT MINE. I HAVE NEVER APPLIED TO THESE CREDITORS, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN CONTRACTS OR AGREEMENTS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a Dispute with Equifax regarding incorrect information on my credit report regarding account : ( XXXX ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to XXXX in XXXX. The report shows the account was Charged Off in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked Equifax to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to XXXX in XXXX of XXXX that the account be deleted. 

The result of the dispute with Equifax was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to XXXX. How can it be sold to another company but XXXX is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Individual from Tower Loan local office, called my place of employment and disclosed information of my acct with my boss, not HR, they disclosed they take me to court and would garnish my paychecks and disclosed to my boss I would need to call them today by XXXX. My boss is not HR and nothing like that should of been talked about. That is very unprofessional and should have not been discussed. If they wanted to verify I was still employeed fine ask that but what was said was not ok. I've put up with quite a bit of home visits from them within the office and haven't complained.

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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Apartment complex XXXX XXXX XXXX in XXXX Texas are claiming that I leased an apartment with them and have a balance due which is now in collections. The account is now being handled by a third party TSI- Transworld Systems Inc . I went in person to speak to the property manager, XXXX XXXX, and he stated he doesnt not have access to my lease nor the documentation collected at the time the lease was signed. He went as far as mentioning that this community lately has gone thru a sweeping change of staff due to several fraudulent leases and out of compliance issues and mentioned its not likely they havent any of my original lease information on file. I have spoken with the collection company as well because this is hurting my credit and have tried to dispute it and request original documents collected and my identifications showing it was me that leased the apartment but no one is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The financial institution ( Ally Bank ) is not properly recording transactions and is not allowing transactions to be disputed based on their inability to properly record or report transactions. On XX/XX/2022 a charge in the amount of {$200.00} was withdrawn from my account with the Bank listing XXXX XXXX as the business. This is a XXXX in XXXX XXXX Colorado, a state in which I do not live. I promptly disputes the transaction. Nearly 3 months later on XX/XX/2022 they closed the dispute saying it was an authorized charge to XXXX XXXX XXXX and once again removed the money from my account on XX/XX/2022. Obviously this was confusing as that is not the business I was disputing a charge to. I called Ally Bank and they repeated that it was an authorized charge and that they had sent a letter informing their customers of an issue with transactions not being reported properly. I asked the customer representative when they sent the letter as I did not recall receiving it. She asked me to wait while she searched to see when it was sent only to tell me that they in fact did not send a letter. I am at a loss for why they are not required to inform their customers that the information we ( the customers ) are seeing is apparently not accurate. This conversation with Ally happened today, XX/XX/2022 and I am still not sure who the transaction for {$200.00} was actually for. It seems to me that a financial institution should have an obligation to accurately track the transactions of their customers and if they are unable to they should have an obligation to notify customers of their inability to do so. Im still not sure who the charge was for, what charge I disputed or whether or not it was properly disputed. Unfortunately when I notified Ally that I was unhappy with their resolution the short of what they told me was too bad. That feels, at best, unethical and at worst I am not sure if they are actually stealing money from me.

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 2022-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

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

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I have a 30 day missed payment reporting on my credit report on XX/XX/XXXX. I called the company that reported this missed payment on my credit report to tell them about the error. Then I was informed that they no longer owned my account. That is was sold to the current owners which is Comenity Capital Bank. I contacted this bank. They told me to write them a letter explaining the problem. I got a response from them telling me it was nothing they could do about it. I wrote them this letter on XX/XX/XXXX and got a response on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.

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 2022-06-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I n accordance with the Fair Credit Reporting act U.S. Bankruptcy XXXX XXXXXXXX XXXX  account # 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.

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 2022-06-13 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: Self Financial Inc.
State: LA

Complaint narrative:
Have reached out to the CEO of Self Financial Lender multiple times about deleting a late payment from my report. The payment history is not accurate, as the account was paid in full and closed. Have not yet received a response from CEO nor can I reach a live representative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2022 I started having issues with my American Express Gold Card, without my knowledge or consent they reduced my credit card limit from {$10000.00} to {$3000.00} causing my credit balance to be very near it's limit. Around the same time by AMEX XXXX XXXX kept taking out the balance due from my automatic payment when should have had it set at minimum payment due. I called and spoke to multiple customer service reps and was told that my card will be set at minimum payment. When my next payment was due it again tried taking out the balance due causing my bank account to return the payment and I was charged multiple return fees of {$29.00}, totaling {$140.00} in fees. I again called AMEX to inquire why the issue was continuing to happen. I was basically told that it was my fault for not having enough funds in my account. Around the same time, I was also dealing with the credit limit reduction, I was told if I could pay an extra {$650.00} for the month of XXXX that they would consider increasing my credit limit again. The stress that the return fees were causing me and not being able to get a clear answer or solution from American Express I decided to pay off the XXXX XXXX to get the balance to XXXX, I paid {$790.00} on XX/XX/2022. I spoke with another customer rep to see if AMEX would be able to take in consideration that since I just paid one card off, and I wouldn't be able to make the {$650.00} payment to the Gold Card to have the credit limit increased. I asked if they would help me since I wouldn't have the money to make that payment and I was told no because both card are not the same and they are not able to assist me. At this point I have had no luck with any help from American Express and then XXXX, 2022 they cancelled both of my credit cards, without my knowledge or consent. I was told because I was late on payments, and that my credit balance is very close to it's credit limit that they made the decision to cancel both cards. I have been on time with my Gold Card, never missed a payment, with the blue card the issues were addressed with AMEX but never resolved to the point that I just paid the card in full. I can not express how much stress and anxiety these issues have caused me, I lost my job due to covid and I am finally working and trying to catch up with bills and they canceled my cards and have put 2 negative inquires on my credit score. If American Express did not reduce my credit limit, I wouldn't be near the cards credit limit and if they would have resolved the minimum payment issues when I called, I wouldn't have been late on payments. I tried to reach out to them with these issues and did not help me but instead canceled my cards, which is going to cause credit issues for me down the line, I feel very unfairly treated and bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # 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

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 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
GoodLeap : Buy Now Pay Later loan initiated via a HVAC vendor installation in XXXX with the understanding it was 12 months same as cash, then if unpaid automatically rolls into a 10 year loan with a 11.49 % fixed APR against the full amount of $ XXXX outstanding. 

Payment instructions sent by GoodLeap in writing [ welcome letter & email follow up ] only offer ACH but WITHOUT any Regulation " E '' required disclosure information to protect against : 1 ) Current balance due.

2 ) Current monthly payment due.

3 ) Unauthorized or incorrect withdrawals.

4 ) Dispute process.

5 ) Payment by Credit Card option ( relates directly to # 4 & # 5 above ).

Multiple phone calls & emails sent requesting a company response to these items have exposed an organization which repeatedly transfers/drops calls and/or has been unable to resolve the open requests above. 

On XX/XX/2022 via phone, I've requested via the customer service dept. [ XXXX ] the CEO and/or his designated proxy to provide a written response to my concerns by no later than this XXXX, XX/XX/2022 as the initial payment due is the following day. 

Please note, ability & willingness to pay the loan is NOT the issue. 
I simply desire to be able to trust the ACH only without any XXXX " XXXX '' disclosure option for online payment [ GoodLeap outsourced it to a 3rd party provider ] is not rife for fraud and/or the planned early retirement of the loan in full will be recorded promptly with the three major credit bureaus. 

Very similar cases have also been documented by many other recent loan customers of GoodLeap across various online complaint forums as XXXX. 

How can a firm which recently securitized $ XXXX in loans be so inadequate in disclosing the most basic loan information that is a long held standard of reasonable lending practices?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2022-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

15 U.S.C 1681 section 602 A. States 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

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 2022-06-13 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: TN

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

15 U.S.C 1681 section 602 A. States 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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:
Im starting to grow frustrated with Experian, I sent over a police report last week via XXXX when I found out that I had become a victim of identity theft. 

I sent XXXX XXXX XXXX  a copy of a letter, police report, identity theft affidavit from the FTC & a copy of the FCRA 605b report & Experian responded with a letter refusing to block the information citing that the account had been disputed many times. Once I sent the dispute in 2020 stating that the debt was not mines & it came back verified I tried disputing the way it was reporting only for them to verify the information as accurate. After sending XXXX XXXX Bank a XXXX XXXX to receive everything pertaining to the debt such as a copy of the online application. It came back with an address that Ive never been associated with which validated the reason that I didnt believe the debt belongs to me. I had my proof so I went & filed a police report & FTC affidavit to have the information suppressed & just got an email from Experian all but accusing me of using a falsified police report to suppress the account. This is not only defamatory but also irresponsible because they refuse to do their job

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