vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX, MD XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 10. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: OH

Complaint narrative:
I have uploaded additional documents for accounts to be removed

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
on XXXX I received an alert from my credit report agency, notifying me of multiple ( 13 ) credit inquiries. Right away I put a freeze on my credit and filed a police report. From what I could see on credit report I contacted and closed all accounts that were opened fraudulently. In XXXX I received an alert that I went over my credit limit on capital one credit card. I have never used capital one, never opened any checking accounts or saving account or credit cards. I contacted capital one, they opened fraud investigation. Capital one refused to give me any information for address that was used to open the credit card or any credit card transaction history. I did send Capital one a copy of my driver license and ss # and they still refuse to give me any information for the credit card that was used in my name. Capital one also refused to change the address on the account, even after I provided them with my drivers license and ss # copies. Capital one also claims they investigated and found that they did not believe the credit card was opened fraudulently, that it was me using the credit card, although credit card was opened in different city, an address where I never resided and accounts were all opened online. I have filed two police reports and froze my credit score, filed report with FTC, and all other companies, including XXXX XXXX where I went in personally and provided all the information. They closed all accounts and removed credit report inquiries. Capital One refuses to do anything and expects me to pay the bill, they refuse to change the address so at least I can get the bills and all account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The company did not notify me with the accuracy of the debt. the debt is XXXX the company to remove all negative information give that company permission to realese any iinformation to any reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The balance on the account is not reported as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS and XXXX are obligated by the Privacy Act of 1974 to protect my rights against unwarranted invasions of my privacy. On XX/XX/XXXX for the second time in 24hrs AMERICAN EXPRESS shared my personal information to include my transactions and experiences to XXXX XXXX which is a third-party company. XXXX also shared my data with XXXX which is also a third party company. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. AMERICAN EXPRESS and XXXX are liable under the SEC to follow certain rules. AMERICAN EXPRESS Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( Trustee ). In addition to this complaint, I will be filing a form 211 treasury omb forms to have my consumer account audited. I am aware that XXXX is securitizing my consumer data, but continues to break the law by sharing my data with third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit acceptance closed my loan account in 2017, sold it to XXXX XXXX XXXX and still reporting a balance and negative remarks. The car was VOLUNTARY surrendered, and re sold. This is illegal and against the FCRA to sell a debt, try to collect again, and report it as negative under Credit acceptance when they don't own the account, XXXX XXXX XXXX does. They have ignored letters and requests to remove this off my report and stop with their illegal process of selling a debt to a collector I have no contract with.

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 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
I dont know why they call 10 15 times a day. I have never bought anything from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
I submitted a complaint last XXXX XXXX XXXX and the companies responded and some got deleted but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/ and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-05-22 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/ and the companies responded and some got deleted but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/ and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX received letter from Convergent Outsourcing XX/XX/XXXX I Sent a debt validation letter requesting : -Provide verification & documentation that these is a valid basis for claiming that I am required to pay the debt to the current creditor with my original signature.. 
-Advise when the creditor claims this debt became due and when when it became delinquent -Identify the date of the last payment made on this account, -Advise if a determination that this debt is with the statute of limitations applicable to it. 
-Advise when do they think the statute of limitations expires for this debt and how is that determined -Details about their authority to collect this debt : Does company have debt collection license in Georgia. If outside of Georgia does the firm have a debt collection license from that place, and if so please provide the date of the license, name on license, license number. etc. 

XX/XX/XXXX : Received " verification '' of debt a billing statement ( XX/XX/XXXX - XX/XX/XXXX ) and flex lease agreements without my original signature

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 2023-05-22 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: MI

Complaint narrative:
I mailed certified letters in XXXX and in XXXX of 2023 to all 3 credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this situation.

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 2023-05-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Have disputes these invalid and incorrect Hard inquiries from my credit report and there a still showing present in my current report. 
I have spoken to those company and they don't have my information on record. I have also already disputed this information as it was a show in vaild with two on the credit bureau agency. Im am having to resubmit this form as i am currently having a problem with getting these inaccuracies removed Date : XX/XX/2022 Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Date : XXXX XXXX Company : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Date XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Company : WELLS FARGO DEALER SERVICES XXXX : XX/XX/2022 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2023-05-22 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2023-05-22 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: GA

Complaint narrative:
Dear CFPB. I am writing to file a complaint against TransUnion. TransUnion is reporting several accounts on my credit report that I have disputed as inaccurate. 
I reached out to TransUnion on XX/XX/23 asking for a method of verification to be provided to me for the disputed accounts within 15 days, by law. I did not receive a response after 15 days. 

Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me a method of verification within 15 days of my request. If this is not provided, the agency is obligated to remove the disputed records. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

This letter is formal notice that TransUnion has failed to respond to my request to provide the method of verification for disputed accounts on my credit report. They have failed to respond to my XX/XX/23 letter asking that they show verification of proof for these disputed accounts. I have enclosed a copy of my letter sent on XX/XX/23. I am also including a copy of the XXXX tracking showing a delivery receipt on XX/XX/23 to TransUnion. I am maintaining detailed records of all my correspondence with them. 

I am also including a copy of my letter sent to TransUnion on XX/XX/23 and tracking asking that these accounts be deleted due to TransUnion not providing the method of verification within 15 days from my initial letter. As they have failed to do so, I am demanding that they remove the below six accounts from my credit report with TransUnion bearing my social security number. The six accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2023, I traveled out of town and found out that as I tried to charge a hotel stay, that my credit card limit was decreased. I contacted American Express right away and no explanation was given other than after a review of my account was the reason. I have never been late since opening the card. I have even made additional payments before or after my due date. When I opened the card I questioned the high interest at the time because my credit rating was over 700 but never followed up again. With I was told by management after an hour that I needed to make a payment and then the credit limit would be restored. That was untrue. I was then told that I needed to make another payment as well before the call ended. Finally, they allowed me to use the card and caused me to be over the limit. This caused additional fees and charges. I contacted AMEX today to close the card but was advised not to until my year of having the card was near to avoid additional promotional penalties. I explained that my financial strain was due to losing a parent. I was only offered a payment plan. I am requesting the waiver of these fees. I would have made additional payments had this not occurred. Now the account is over the limit causing more fees and the interest is just as much as the payment so, little is going to the principle. I'm drowning at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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:
I am never late in 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