vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-20 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Account opened with American Express without my consent. XXXX XXXX XXXX. On XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I called XXXX to request that they update my payment history for their " Extra Cash '' from XX/XX/2022 to Equifax as I had a soft pull done for a home loan there was an account still open for it on my report for {$200.00} stating I was paying {$620.00} a month, which is untrue as I paid it on time and in full. They simply refused trying to get me to call Equifax to get it resolved. Equifax was equally unhelpful in filing a dispute stating that because they couldn't see it on my report in the last year they couldn't do anything. 

I ended up requesting my monthly statement from XX/XX/2022 and was told they don't keep records from that far. ( this is shady and I believe done maliciously to cover their tracks and wrongdoing ) requesting that they update the credit bureaus ( Equifax ) that I paid on time and in full they refused stating that they don't do that anymore. 

All in a lovely 2-3 hour phone call with XXXX I have nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
please delete unauthorized inquiry XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I had a scheduled ACH come out of my account for {$470.00} and it made my account go negative XXXX so they sent the payment back. I saw the payment failed and I made a debit card payment to the company so my electric wouldnt get shut off. Then I saw a couple days later that the electric company went ad retried the old payment even though I made the payment before then. I contacted the bank and filed a dispute against the ACH to get it credited back and removed from my electric account. I told them repeatedly the transaction was an accident from the company and that my account is not compromised or anything. They put it under review and I have called COUNTLESS times and talked to so many people, they assured me the money was credited and would be reflected in the account ( still is not weeks later ) and also that they are closing my account. I tried to take out the money I had in it and they wont let me do that either. My electric company already has the payment off my account so it makes no sense what citizens did with my money. And when I went in person to ask again, the clerk was told theyre not allowed to give me any details other than its closing and Ill receive a check. But nothing has happened and the money still isnt there. They refuse to give me actual answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}

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 explanation
Consumer complaint received 2023-12-20 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-12-20 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: FL

Complaint narrative:
I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-12-20 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: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit 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 explanation
Consumer complaint received 2023-12-20 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: AZ

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, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX Ct, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX Ct, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX BANK XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I hope this letter finds you well. I am reaching out to you today as I find myself in a rather distressing situation with Early Warning Services , LLC, and I am in dire need of your assistance. 

For quite some time now, I have been tirelessly trying to access my credit report from Early Warning Services a task that, surprisingly, has proven to be more challenging than I ever anticipated. Despite my best efforts in following every procedure they laid out and providing all necessary documents, my requests have been consistently turned down without a justifiable reason. This experience has been quite disheartening and, honestly, a bit alarming. 

Under the Fair Credit Reporting Act, specifically Section 609 ( 15 U.S.C. 1681g ), it's my understanding that I'm entitled to view my credit report upon request. But the continued denial from Early Warning Services has left me in a troubling predicament. Not only am I unable to monitor my REPORT, but I'm also deeply concerned about the possibility of identity theft or errors in my report a fear that only grows with each passing day of non-compliance from their end. 

What's more, their inability to confirm my identity, despite me providing ample proof, raises a red flag about the accuracy of their data. This situation is not just about accessing a report ; it's about ensuring the integrity of my personal information. According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), I should be able to challenge any inaccuracies, but without access to my report, I'm left in the dark, unable to defend my financial reputation. 

I've reached out to Early Warning Services multiple times, hoping for a cooperative resolution, but my efforts have been met with silence. This lack of response has left me with no choice but to seek your intervention. I am deeply concerned that there might be incorrect or even fraudulent information under my name that could adversely affect my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I spent {$33.00} on my amex credit card and set up auto pay with the instructions, However I was not realized that the auto pay only to a specific hard not the whole account, AMEX didnt send me a prompt notification, now I received a bill of {$220.00} include fees and interest. 

1. Amex didnt send a prompt notification when a payment is not received. They only send an email saying that due day is tomorrow, but never mention whether a payment is scheduled or received. They wont send a past due reminder until its months late. 

2. They over charge fees and interest. Although I have already paid {$40.00} to them, which is more than what I spent. They are still charging late fee on late fee, interest on interest. The amount they are asking is 8X of what I spent, The minimum payment they required includes all the late fee and interest, which makes me harder to pay and generates more late fee and interest,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.

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 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
DISCOVERBANK XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One account # XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 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. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation