vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : AMEX Account Number : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer XXXX XXXX and the person AMERICAN EXPRESS Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.You have 10 calendar days to update my payment history or delete all late payments from the below account AMEX Account Number : XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( Equifax ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-21 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Global Lending Services LLC
State: TX

Complaint narrative:
The loan with Global Lending Services was included in a XXXX  XXXX bankruptcy. In XXXX XXXX was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that Global Lending Services had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called Global Lending Services, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX  point decrease in my XXXX and a XXXX point in my XXXX. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Premium Credit Bureau
State: CA

Complaint narrative:
This company ran my credit with me authorizing them to, I am aware of who this company is and they ran my report on XX/XX/2021 it appears on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
Credit card was opened with this bank in XXXX of XXXX. The account was closed in XXXX of XXXX by the provider. Despite repeated attempts by me to make payments ( and confirming my account information ), their system kept trying to pull the money out of my Checking account when I indicated multiple times to pull the funds from Savings. I spoke with a representative who confirmed the issue, and I was told I could not make any payments by debit card to resolve the issue. The bank closed the card on XX/XX/XXXX for returned payments however I received no notification of the account closure or pending closure. I did receive a letter in XXXX of XXXX that the card terms had changed, and I continued to receive statements, however there was no correspondence of any kind that my account was closed on those statements or when I log into my account on their website. When I spoke to a representative on XX/XX/XXXX about my payments on she did not tell me the account was closed. I spoke to a representative on XX/XX/XXXX who confirmed I did not get any letter or notification that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: FL

Complaint narrative:
My name is ( XXXX XXXX ). There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( TransUnion ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.

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 2022-01-21 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-21 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: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Repeated calls multiple times a day to restart autodraft after initially told payment amount was per month and drafts for same amount came per week. Did not adhere to request to remove ach debit of account and was threatening in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
This company appears on my XXXX XXXX XXXX credit report, I have reached out to this company numerous of times asking for validation and orginal documents stating ThatnI owe their company any debt, they have failed to summit any documents that say I owe them this debt, also other collection agencies are collecting on this same debt, so I need documents from the original creditor that this company is allowed to collect on this same debt that shows up on my report from other collection agencies

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got {$10.00} direct deposit from XXXX XXXX which paid me {$200.00} promotion so that can be seen as employer direct deposit meeting employment direct deposit requirements I got a XXXX deposit, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX cent, XXXX deposit deposit, so I should get Chase XXXX direct deposit you offered Please give me the XXXX deposit Chase promised Chase is doing source of income discrimination Privacy violated-Privacy Act of 1974-Chase using bank accounts to keep track of employers and paychecks Bundling violation of monopoly law-give bank accounts and direct deposit requirement thank you very much, XXXX XXXX XXXX BA, BS XXXX AA XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: FL

Complaint narrative:
On or about the XXXX of XXXX while I was opening up another bank account, the banker ran a credit check on me and said that I had a " XXXX '' credit rating which she thought was very strange because the report showed nothing.. Upon checking this out myself two or three days later, my report indeed said " XXXX '' credit. I called Experian to file a dispute and informed them that I have always had a credit rating in the XXXX 's. The current report shows no credit, no bank accounts, no loans, no credit cards, no history, nothing. I informed them that I have four bank accounts, four investment accounts, several credit cards and lease a car in my own name as well as 2 previous mortgages and several monthly utility bills. After speaking with three representatives I was told that the problem was on their end and would be corrected within five business days. It was not, so again about the XXXX or so in XXXX I again called to explain this situation to another representative who also said that this was an internal problem and would again be corrected within three to five days. It was not and continues to not be corrected. My report shows no credit, no investment accounts no credit cards, no previous mortgages and no car leases almost a blank slate. Experian has done nothing to correct this matter. What they did do is send me my Dispute Results that says that they deleted my correct name and updated it with my correct name, which makes absolutely no sense. I really need to get my real credit report back on line as I use this number to lease my cars and as of now it says " XXXX ''. Any assistance would be greatly appreciated. Thank-you

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 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: PA

Complaint narrative:
I am receiving collection notices from a debt that was already paid.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Financial Services is alleging that I owe them a debt that is not mine. I sent them a request to validate the debt as required by law. They received it on XX/XX/XXXX. They responded to me that they would investigate, however, never responded with the requirements in order to validate the debt like I asked them to do. 
I then sent them an Affidavit of Truth which they received on XX/XX/XXXX along with an invoice with the total charges of my violations from them and I have heard nothing from them since. 
I am well within my rights as a federally protected consumer and Discover is violating my consumer rights under Title 15 Chapter 41

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The loan with XXXX XXXX XXXX was included in a chapter XXXX bankruptcy. In XXXX XXXX was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that XXXX XXXX XXXX had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called XXXX XXXX XXXX, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX point decrease in my Equifax and a XXXX point in my XXXX. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The loan with XXXX XXXX XXXX was included in a chapter XXXX bankruptcy. In XXXX BK was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that XXXX XXXX XXXX had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called XXXX XXXX XXXX, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX point decrease in my XXXX and a XXXX point in my Transunion. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.

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 2022-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company closed account and marked restricted I have had ZERO issues with capital one of any other credit card in my life. 

My bank account attached was compromised of which they were advised and I informed I prefer debit Pmt but it was not enabled so they would typically take through phone or certified. 

My account info May have been attached to old phone otherwise no issues at all they advised they were reopening for weeks then they said they couldnt reopen but they were removing restriction mind and still not done Mind you Ive been laying like clockwork all along since this time Ive paid in full the other not much further to go This is absurd one supervisor says oh youre blacklisted but thats weird you have good history otherwise this shouldnt be the case let me get you to fraud i get to fraud we have no idea why you were transferred to us there are no issues and we dont do blacklists? Well a 2 sec XXXX search and multiple supervisors say otherwise. 

I read horror stories of people ripping them off and simply filing bankruptcy and getting approved for thousands thereafter but my under {$900.00} account that is pays timely is restricted and I am blacklisted mind you I have an auto through you never an issue either and substantially more per month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-21 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
There is a debt of {$200.00} on my credit report recently which is not my legal responsibility to pay. I will go over the whole story below. 

I was in a lease agreement with an apartment complex ; XXXX XXXX XXXX, they charged me {$200.00} for a security deposit which in the lease, say that " After you move out, well return your security deposit, less lawful deductions. ". This is all in the lease which I also attached. I never receive the deposit back, in fact I never receive any answer or clarification to any of my questions after I move out. So naturally I assume the deposit is to be included in the move out bill. 

After the move out process, I was sent a bill of {$1000.00} including the breakdown of each item. This does not include the security deposit mentioned in the lease, so I tried contacting them so many times, but no one answer my questions. Eventually, I decided to pay the amount {$1000.00} - {$200.00} = {$820.00} and basically told them that's all I owed them. Still, no one answer me. 

Time passes, and now there is a {$200.00} debt shows on my credit report. It seems they reported it to debt collector as debt even though I receive no clarification whatsoever from renew parc shore and I never receive any written document whatsoever about the bill before it hit my credit report. This is unacceptable.

Company response to consumer: Closed with explanation