vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2023-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They're reporting me as late even though I'm not. I don't know why it happened, so please look at the attached documents.

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 2023-04-19 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: LEXISNEXIS
State: NJ

Complaint narrative:
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. LexisNexis is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: MD

Complaint narrative:
Dear Creditor, I am writing to dispute the validity of a debt that is listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to request that you provide me with validation of this debt. 

Under the FCRA, creditors are required to report accurate information about a consumer 's credit history. Inaccurate information, such as the reporting of a debt that is not mine, is a violation of my rights under the FCRA. 

I demand that you take immediate action to investigate the accuracy of this debt and provide me with validation of the debt. Failure to do so will result in legal action to enforce my rights under the FCRA. 

Furthermore, I demand that you remove any negative information related to this debt from my credit report until the debt has been validated as accurate. Failure to do so will also be a violation of my rights under the FCRA. 

I look forward to your prompt response to this matter. Please note that I expect a written response within 30 days, as required by law. 

Sincerely, 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 2023-04-19 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Dear Creditor, I am writing to dispute the validity of a debt that is listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to request that you provide me with validation of this debt. 

Under the FCRA, creditors are required to report accurate information about a consumer 's credit history. Inaccurate information, such as the reporting of a debt that is not mine, is a violation of my rights under the FCRA. 

I demand that you take immediate action to investigate the accuracy of this debt and provide me with validation of the debt. Failure to do so will result in legal action to enforce my rights under the FCRA. 

Furthermore, I demand that you remove any negative information related to this debt from my credit report until the debt has been validated as accurate. Failure to do so will also be a violation of my rights under the FCRA. 

I look forward to your prompt response to this matter. Please note that I expect a written response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I wasnt able to answer the call but they called back to back a total of 5 times all within a minute at XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
We applied for a Chase Mortgage on Friday XX/XX/XXXX for a closing XX/XX/XXXX. Our mortgage advisor XXXX XXXX assured us we were well qualified and would have no problem with an on time close. We submitted all documents initially requested within one business day, and then we had no further document requests for weeks. 

After several weeks with no action from chase, i emailed asking for an update and our mortgage advisor apologized to us in an email for in his words a severe breakdown in the mortgage underwriting process. XXXX advised us he expected loan approval the next morning XX/XX/XXXX. That afternoon of the day he told us to expect approval, XXXX emailed us document requests and today XX/XX/XXXX, one week before our scheduled close, our advisor XXXX informed us Chase was unable to meet our closing. 

XXXX misled us throughout the process telling us to expect no problems with the timeline or approval and Chase failed to meet their responsibilities on their side of their lending process. Chase failed to close on time despite assurances. Our own mortgage advisor acknowledged and apologized for their severe breakdown in process leading them to be unable to provide the loan on time and forcing us to pay cash to close.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had paid off a car with credit acceptance and never got my title besides high interest rates

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 2023-04-19 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have paid in full the balance owed to midland credit management via a court ordered garnishment in XXXX. My last payment to fulfil the balance was XX/XX/XXXX23. I have disputed account as account paid in full, and the company declined mine request and noted on XXXX I failed to make a payment for XX/XX/XXXX2023 and XX/XX/XXXX2023 when that information is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
A teacup puppy was offered for sale for {$600.00} on XX/XX/XXXX. I paid the purchase price asked, which included taxes and fees. I paid a total of {$620.00}. Later, they wanted more than double the purchase price for me to receive the puppy  via air transport. When I declined and asked for my money back there was no response. XXXX XXXX XXXX is the name of the website. They still have the same puppy  named XXXX listed for sale. All I want is my money back. I have also messaged XXXX at Paypal twice with no response. His name on Paypal is XXXX XXXX XXXX. Fortunately the purchase was through my XXXX XXXX and not my bank account. Beware of these scammers at XXXX XXXX XXXX advertising teacup puppies!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been multiple over draft fees of {$35.00}. For a day XXXX times. It happened often between XXXX. I should have overdraft protection. The mistake was the bank forget to link saving to checking. Besides that my credit score ruined by putting me to debt collection. For years and years now when they should be solving a problem first.

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 2023-04-20 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: LA

Complaint narrative:
See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-04-20 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: LA

Complaint narrative:
See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against American Express and XXXX XXXX for Annual Choice Award Issue Dear Sir/Madam, I am writing to file a complaint against American Express and XXXX XXXX for XXXX issue related to the Annual Choice Award associated with my XXXX  XXXX account. I have attempted to resolve this issue with XXXX XXXX customer service, but their response has not been satisfactory. 

As a XXXX XXXX XXXX  XXXX XXXX and a longtime customer of American Express, I recently reached 50 nights and became eligible for an Annual Choice Award. I chose the XXXX  Elite Night credits option ; however, due to a technical issue with the XXXX XXXX website, my choice was incorrectly recorded as XXXX XXXX XXXX Upgrades. I immediately noticed the error and contacted XXXX XXXX customer service within 5 minutes of receiving the confirmation. 

The customer service representative informed me that the issue would be escalated, and I hoped for a timely resolution. Unfortunately, I received an email from XXXX XXXX XXXX XXXX, which stated that they could not exchange the Benefit selection as all Annual Choice Benefit selections are final and can not be changed after the selection is made. This response is unacceptable, as the error was due to a technical issue on their website, and I contacted them immediately after the confirmation to rectify the mistake. 

As a loyal customer of both American Express and XXXX XXXX, I believe that it is reasonable for them to simply switch my Annual Choice Award to the 5 Elite Night credits that I initially chose, instead of the 5 Suite Night Upgrades. 

I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this issue. I believe that a fair resolution would be for American Express and XXXX XXXX to honor my original selection of the 5 Elite Night credits and update my account accordingly. 

I have attached a copy of the email I received from XXXX XXXX XXXX XXXX for your reference. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Some companies are reporting me as late even though I'm never late so please look at the attached documents to prove my point.

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 2023-04-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed that i had a hard inquiry on my credit report that I have no knowledge of I called this company and gave them my information and was told that nothing comes up with my info. I would like to have this resolved and have you this company report to the credit bureaus and have this fraudulent reports off my credit report which is dated 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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:
n accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumers right to privacy and confidentially under U.S.C 1681 Experian Credit Reporting US Bankruptcy Court Account Number XXXX Im challenging the validity of this alleged Bankruptcy 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 item 's information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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. I recently Challenged this bankruptcy with these credit bureaus and they stated that they confirmed this Alleged bankruptcy with XXXX. I have valid proof that these credit reporting agency have not confirmed this information with XXXX Nor the Court House im asking these credit reporting agency to please remove this alleged bankruptcy from my credit report ASAP as this is tarnishing my name

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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

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 2023-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act FRANKLIN Collections SV Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2023 I requested that Transunion, XXXX and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, XXXX was the only one that replied verified although they did not investigate. Transunion and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX  XXXX reporting that shows any sign of a bankruptcy.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX  I requested that XXXX, XXXX and Equifax validate that a bankruptcy that was reporting on my credit report was indeed mine. However, XXXX was the only one that replied verified although they did not investigate. XXXX and Equifax actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX XXXX  reporting that shows any sign of a bankruptcy.

Company response to consumer: Closed with explanation