vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect information 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 2023-08-12 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
According to the FCRA 15 USC 1681a A ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
My transaction history between I and Capital One Auto Finance is excluded from the consumer report. 

Capital One Auto Finance is reporting Late Payments on consumer report I have 9 missed payments and the dates are different on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I bought the securespend prepaid mastercard to pay my internet bill. The card does not have valid no any zipcode attached to it, making it invalid for any and all online purchases. I put XXXX dollars on the card to pay my bill, you can only be physically there to use this card, it says you can use it to pay bills online. No It can not as iv tried every avenue and every number I call including the back of the card provides no help and only computer voiced options that do not connect you to someone who can help. This should be highly illegal as all online purchases require a zipcode. These cards have not one option to add one, they only work as credit which is not what they are advertising on the card packaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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:
my rights are being violated under 15 U.S. Code 1681c-2 and 15 U.S Code 1681b

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 2023-08-12 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:
my rights are being violated under 15 U.S. Code 1681c-2 and 15 U.S Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and recognized an unauthorized inquiry reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I Deposited My check on XX/XX/ in my Checking/Savings account with Deposit of {$3100.00} and Wells Fargo Completely Shut Down my account and Stole my money Which was my unemployment gift from a friend of mine to help me off my feet and I'm literally on XXXX XXXX and XXXX that's all I mean I mean I'm left with nothing I was left with nothing Im barely struggling with my divorce not to mention im in a financial hardship I want Wells Fargo to refund my Money, Im XXXX and have XXXX XXXX I cant work because I have Emotional Problems And my Dog is XXXX XXXX and I have To say Wells Fargo thats pretty Cold And So Low of a Company to do that to a customer!

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/ Experian Information Solutions INC . 
And all variants of said entity. 

I expect EXPEDITED removal of the Fraud Alerts, Etc. on my Experian, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX consumer Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report Remove any listed item applicable to EXPERIAN & ALL VARIANTS OF SAID ENTITY REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX  IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 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 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much. 

Please see attachments with the three exhibits. I reported XXXX to my Attorney General XXXX XXXX to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Kikoff Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX I was billed the amount of {$310.00} by XXXX. I have spent several weeks communicating with XXXX to resolve this matter. During the course of this communications I was informed by XXXX directly that the fastest way to effective resolution to this matter of the billing error was to contact the financial institution and to dispute the charge with them directly. 

However after multiple attempts to speak with kickoff LLC customer service day to dispute this charge as directed by the merchant to do so their customer service agents are unable to see this charge and stating " unfortunately if I can't see the charge then I can not start a dispute '' of which I said if you can't tell me what happened to the {$310.00} in my account last XXXX XXXX XXXX XXXX then I need that money back in my account now. Their customer service staff says I understand what you're saying and that you are right but unfortunately there's nothing that I can do in my hands are tied. Kickoff LLC is a secured credit card prepaid credit builder program loan thing and their transactions are oversaw by XXXX XXXX XXXX If their customer service department is unable to maintain records related to my direct deposit account as required by federal regulations then they are not responsible not to be running that organization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.

Complaint narrative:
Exeter Finance LLC Account XXXX XXXXXXXX The account was opened XXXX 
During this period of time I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
They put a collections I removed back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquires are fraudulent and do not belong to me. Please remove them from credit report. Please see below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION

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 2023-08-12 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: IL

Complaint narrative:
I checked my credit report and recognized an unauthorized inquiry reporting

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report and recognized an unauthorized inquiry reporting

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, 08/11/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 561 ) 800-8001 REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY..

This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 561 ) 800-8001 REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I sent Portfolio Recovery Associates a letter on XX/XX/23 requesting them to send me a Debt Verification letter for an alleged debt that they are claiming I owe. They sent back correspondence not pertaining to the Debt Verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquires are fraudulent and do not belong to me. Please remove them from credit report. Please see below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to file a complaint against American Express for unfair and deceptive practices related to account cancellation and points forfeiture. 

I have been trying to cancel my American Express card ( Account Ending XXXX ) since XX/XX/XXXX XXXX Despite multiple requests, American Express has been unable to provide me access to my card, claiming they need to ship it to me first before I can cancel. It has now been over a month and I still can not access my card to complete closure as they are advising. I have made numerous calls and complaints, but the issue persists. 

Additionally, their policy states that if I cancel my card, I will immediately forfeit all my accumulated rewards points, which have a cash value equivalent of approximately {$3600.00}. This seems like an unfair policy meant to punish customers who want to cancel their card. 

By making it exceedingly difficult to access my card and close my account, combined with threats of rewards forfeiture, American Express is deliberately trapping me in their service. This is deceptive conduct that takes advantage of consumers. 

I request that the CFPB compel American Express to close my account immediately without need for the physical card, and allow me to redeem my accumulated rewards points prior to closure as is reasonably expected. American Express should not be allowed to hold customers captive via unfair policies and practices. 

Please investigate my complaint against American Express and work to stop these deceptive business practices. I have included copies of my account statements and correspondence with American Express representatives documenting the cancellation issues and points policy. 

Thank you for your help resolving this complaint. Please let me know if you need any additional information. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
They gave me a line of credit for {$1300.00}, and I made XXXX payments of XXXX semi weekly and my balances is XXXX, I wonder is they subtracted the money I paid XXXX email them and also talk to a representative about this matter, they is overcharged me in interested. Been making payments ever since XXXX of XXXX, could you look in to see if there are fraudulent interested fee .Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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:
I have made multiple attempts with XXXXXXXX XXXX as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected 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 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
credit acceptance loan was paid in full in XX/XX/2023 they are still reporting to the credit bureaus that there is a XXXX balance when the balance is XXXX. I have contacted them as of XX/XX/XXXX to resolve this and they said they have however as of XX/XX/2023 their reporting to XXXX and XXXX  a balance of XXXX and monthly payments of XXXX which is inaccurate they refuse to update per fcra law this is affecting y borrowing terms on a new vehicle

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