vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditoXXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXX XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.

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 2023-12-03 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: GA

Complaint narrative:
On a weekly basis, I consume routinely both political and financial news. Typically, it keeps me informed on what is going on in the world, but rarely do I see any true connection or impact to my own life. Recently, I did have such a connection. I read that the Consumer Financial Protection Bureau was working to eliminate 'junk fees '. Shortly thereafter, I noticed that I had made an inadvertent lapse on an American Express Hilton credit card that I use for daily expenses. I normally pay the charges in full each month, but I had paid the XXXX charges on the statement date ( XX/XX/2023 ) and the XXXX charges after the next payment due date ( XXXX date : XX/XX/2023 ; Paid date : XX/XX/2023 ). Therefore, I carried a balance of {$47.00} between the months probably from pending charges that cleared. As such, American Express Hilton charged me a {$5.00} late fee, {$32.00} in interest, and confiscated the reward points ( valued $ XXXX ) for the month. I can understand the late fee and the interest as they are proportional and calculated based off the cards use and balance. But the rewards points confiscation is unlimited in its cost to the consumer. If I had spent more, then the confiscation of rewards points would have been as high as my spending, not my late payment. I have never known another credit card to charge XXXX % in a month based on credit card use. Even if legal, this activity should be discontinued through the Consumer Financial Protection Board or Congresses action in support of them. 

I sent this to my congressional representatives for future consideration as well. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: TX

Complaint narrative:
XXXX XXXX XXXX is a business credit card which is included in company 's XXXX XXXXXXXX. The account holder is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX Under Bankruptcy law, this is clear harassment by XXXX and XXXX. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX XXXX 

I demand an end to the harassment by XXXX and 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 2023-12-03 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXX XXXX XXXX XXXX. However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX  Under Bankruptcy law, this is clear harassment by XXXX and XXXX. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX XXXX. 

I demand an end to the harassment by XXXX and 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account namXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.

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 2023-12-03 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: FL

Complaint narrative:
I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax, XXXX, and XXXX are all reporting inaccurate personal information on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MO

Complaint narrative:
I get XXXX and I needed a replacement card. They sent 1 and tried to activate it and says, the numbers on care are invalid. I've called even at XXXX XXXX  and they keep saying call back, heavy call volume. They have always answered but now nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out XXXX XXXX XXXX and faxing it to the credit bureaus ) that you report to. 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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MS

Complaint narrative:
On multiple occcasions ( starting on XX/XX/2023 ) I have submitted assistance regarding identity verification so I can utilize all of the functions regarding my Cash App account. I have had 4 cases closed and new ones opened because they refused to help me multiple times and I have spoken to multiple different representatives including someone who claimed to be in management. There has been no correspondence and no resolution with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: DC

Complaint narrative:
XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. I submitted XXXX  police report XXXX. XXXX XXXX XXXX  and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: NJ

Complaint narrative:
I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 



Failure to comply shall lead to complaints being filed with XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA )

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 2023-12-03 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: NJ

Complaint narrative:
I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 



Failure to comply shall lead to complaints being filed with XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
At XXXX I received a call from XXXX. At XXXX I received a second call from XXXX with someone claiming to be XXXX XXXX XXXX Bank of America XXXX XXXX. He stated that there were several fraudulent transfers to someone with XXXX. I was instructed to create an account so that we could dispute the transfers. I did so then was told that we needed to input the amounts of the transfers so that BOA could dispute the transfers. Because the phone number EXACTLY matched the phone number on the back of my cards I complied. 

I then redialed the number and talked to BOA XXXX department and they informed me that their phone number had been spoofed and that my money is now gone. 

There MUST be something in place to prevent these things from happening. If XXXX doesn't have anything then they are XXXX in the theft and fraud. I do not accept the excuse from XXXX that there is nothing that can be done. They are 100 % complicit because they choose to be. 

It also should not be up to customers to decide which phone numbers are legitimate or not. The number that came up is Bank of America 's number, the same number on the back of my cards. There is NO WAY for a customer to know if a number has been " spoofed '' or not. Bank of America can claim that they will " never '' ask for information, but they do. They ask for it all the time. They send emails to customers with links to click that ask you to input potentially sensitive information. 

This is a clear violation of Regulation XXXX of the Electronic Fund Transfer Act and XXXX needs to be held accountable.

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 monetary relief
Consumer complaint received 2023-12-03 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
XXXX FIRST ACCESS BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Original creditor sold to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX to XXXX these accounts : Account,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 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 XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation