vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
In XX/XX/2023, I made a purchase of approximately {$2800.00} from a furniture company using my American Express credit card. The furniture piece in question has had 3 different warranty claims assessed by me against the company, most recently I filed one in XX/XX/2023. The piece has recently broken again and the company is unwilling to issue any kind of refund despite the obvious defect. 

I contacted American Express on XXXX XXXX via their support chat to discuss options for a dispute, given the ongoing issues with the furniture merchant. I did not ask to open a dispute, rather to discuss my options and understand their policy on disputes better. I was particularly concerned about the time past since both the original purchase and last warranty claim. I shared these dates as stated above with the AMEX representative and was told I could still file a dispute. I was informed that the date was no problem and AMEX would open and file a dispute with the merchant. At no time did I ask to open a dispute, the agent opened one right away open On XX/XX/XXXX, I received 2 emails in quick succession. One informing me the dispute was opened, and another informing me it was closed immediately after, due to the time period of the purchase and claims. This is in direct contradiction to what I was told by the rep on XXXX XXXX 

On XXXX XXXX, I called AMEX support to ask for more context on the situation. I found the phone agent to be argumentative and aggressive when I asked to simply have more details on the dispute. To summarize, I was told the following by the agent : - The original chat rep never promised to investigate a dispute, only to file one. I asked for clarification on the difference and was not given a definitive answer. The phone rep was also not a party to the chat conversation so I am unsure how we would know the exact phrasing of the chat rep. 
- That the representative did not make a mistake and followed the process for opening disputes. Again, I am unsure how given incorrect guidance on the process is within AMEX support guidelines. 

I requested a call-back from an AMEX supervisor and received one on XX/XX/XXXX. The supervisor re-iterated similar guidance as the agent, and appeared to imply that I was in the wrong for not understanding the dispute process. I asked the agent why I am expected to know more about the process than Amex representatives, and he said he would share my feedback as part of the case rather than answering the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PatientFi, Inc.
State: TX

Complaint narrative:
Patient Fi {$4300.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX. $ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Actions Taken : sent companies, identity, theft, affidavit, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added on report. 

Spoke with representative XXXX XXXX from PatientFi on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so. 

Spoke with representative XXXX XXXX XXXX XXXX from XXXX XXXX XXXX he told me the account was taken out in my name by a XXXX XXXX XXXX. I do not know who that is nor did I authorize them to use my information to take out any type of loan. 

The loan that was taken out were done online electronically from XXXX XXXX XXXX by XXXX XXXX. My name is XXXX, XXXX 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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: WV

Complaint narrative:
CD Indigo I honestly have no idea where this came from! My identity was stolen back a few years ago, so Im not sure if this was a result of that or what, but the debt on my credit report states the credit limit was {$300.00} but credit used is 0 %??? And my highest balance was {$640.00} I have absolutely zero clue why this is on my credit reports and I would like it removed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Account type - Credit card Date opened - XX/XX/year>XXXX  Above Account created under Capital One without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, XXXX, and Experian to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. 
XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor XXXX nor Experian added my account. 
XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of XXXX XXXX  XX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX XXXX and Experian It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called Experian sent a consumer note called XXXX department priority escalations added Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. 

XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on Experian, XXXX and XXXX and it is NOT

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO BANK Account type - Credit card Date opened - XX/XX/XXXX  Above Account created under WELLS FARGO BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am having a situation where i have already sent in documents to the major credit bureaus asking them to please remove a fraud alert placed on my credit report. 

I have sent them the proper documentation they have have requested. 

ID, Social Security Card, utility Bill to prove my identity. They have yet to remove the fraud alert and it is causing me lots of street and financial hardship. 

I am providing all documents once again

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 2024-02-23 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than four business days after the day of the receipt. I have ATTACHED to my FTC report to this complaint to prevent further stall tact from equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
DELETE THESE INCOMPLETE AND INACCURATE ACCOUNTS, INQUIRIES FROM MY CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have a XXXX credit card issued by Comenity / Bread Financial. I had a balance of about {$140.00} and repeatedly tried to log in to pay it ( over the last several weeks ). I was consistently locked out of the account. When I was finally able to access it, I showed a balance of {$0.00}. I thought perhaps I paid the bill and the email about an outstanding balance overlapped with my payment. I was charged these late fees : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$40.00} Since I was seeing a {$0.00} balance I did not even realize I was accruing these late fees. I thought I had a {$0.00} balance. Then I started to get many phone calls from Comenity saying I was past due, etc. Again, I logged in and saw a {$0.00} balance. Curious, I chose the " easy pay '' option where you can log in with your credit card number only. That is the only place I saw a balance of {$140.00}. I didn't understand why it only showed up in this location, but - being a financially responsible person, I paid it in full on XX/XX/XXXX. This should have included all fees and charges. 

A couple of weeks later I received an email that said I was past due AGAIN. Knowing that I paid this in full, I further investigated. Comenity seemed to have added these additional charges : XX/XX/XXXX - {$3.00} interest charge on purchases XX/XX/XXXX - {$40.00} late fee ( I presume because I hadn't paid the interest charge? ) XX/XX/XXXX - {$1.00} interest charge on purchases I complained to Comenity and they refunded the {$40.00} late fee charged in XXXX. I was planning on paying the remaining balance of {$44.00} but I do not feel I owe this. 

Their system was not showing my balance whenever I was actually able to log in UNTIL I chose to log in to the " XXXX XXXX '' part of the website, which I did on a fluke. Then when I saw the balance, despite being confused, I paid it in full. Then incurred subsequent charges when I should have had a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this. All is being investigated by the FTC. 
XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
GM FINANCIAL Account type - Auto Lease Date opened - XX/XX/year> Above Account created under GM FINANCIAL without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Closed. {$22000.00} written off. Is reporting the vehicle to my credit report although they were sent notice that I do not recall having the vehicle. I ask for validation of the debt with proof the debt belongs to me with a contract bearing my signature. They refused to send any validation or proof. They were also provided an ftc report in which they refused to abide by. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of this account is violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : They were sent a debt validation letter in which they have yet to provide proof this debt belongs to me XXXX XXXX. 

Furthermore, the account is a charge off, but it is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Closed. {$22000.00} written off. Is reporting the vehicle to my credit report although they were sent notice that I do not recall having the vehicle. I ask for validation of the debt with proof the debt belongs to me with a contract bearing my signature. They refused to send any validation or proof. They were also provided an ftc report in which they refused to abide by. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of this account is violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : They were sent a debt validation letter in which they have yet to provide proof this debt belongs to me XXXX XXXX. 

Furthermore, the account is a charge off, but it is being reported inaccurately.

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