vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax comes with excuse of sending my credit report in which I wrote them and filed complaints. 

Equifax has wrong information I was told when looking to get a new car of names and address and phone numbers not correct by Equifax. 

I have also reported this to the US Attorney and wrote to DOJ of the run around with Equifax I have also contacted with XXXX XXXX firm in regards of taking legal action on Equifax excuses of sending my free credit report and Equifax created phone numbers address and phone numbers and various other information not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TX

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 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 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I received a bill/letter from Phoenix financial services stating that they were a debt collector trying to collect on a medical bill. I received this letter on XX/XX/XXXX in which according to the letter I had a certain amount of time to respond on which I did with the following. Dear Phoenix financial services I would like you to send me any and all information about this debt. Name of original creditor, the original amount due, etc. The amounts they say I owe are not matching. What I mean by that is the original letter had different amounts. When speaking to a rep when I received the first letter, person name was XXXX XXXX said they were willing to settle for a little over $ XXXXfor both bills. 
I received their itemized letter XX/XX/XXXX it's not itemized. What they are trying to collect on is a XXXX year old ambulance bill the date XX/XX/XXXX. 
It was from a car accident which my insurance company covered. My insurance agent has all this information also and they are also looking into it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has intentionally refused to remove the late payment I called about as soon as I knew. I even expressed that I had XXXX XXXX and was told it would not be reported to my credit report per the COVID 19 Cares Act. XXXX XXXX XXXX WENT SO FAR AS TO USE THEIR LIE TO PREVENT GETTING A HOME EQUITY LOAN WITH XXXX BECASE OF THEIR DELINQUENT DEROGATORY REMARKS ON MY CREDIT.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX BANK has intentionally refused to remove the late payment I called about as soon as I knew. I even expressed that I had XXXX XXXX  and was told it would not be reported to my credit report per the COVID 19 Cares Act. XXXX XXXX XXXX WENT SO FAR AS TO USE THEIR LIE TO PREVENT GETTING A HOME EQUITY LOAN WITH XXXX BECASE OF THEIR DELINQUENT DEROGATORY REMARKS ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-06-26 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
On or around XX/XX/2023 received a letter from Eastern XXXX System # XXXX requesting verification/ validation of original application/agreement no reply disputed with XXXX XXXX XXXX account came back verified/FCRA requirements meet how is this when collection agency didnt respond to my letter XXXX is reporting inaccurate, incomplete an non verified information on my consumer report I thought everything is supposed to be 100 % percent accurate this is a direct violation of XXXX regulations, my consumer rights under the FCRA an FDCPA 15 USC 1692a ( a ) without consent of consumer/court jurisdiction a debt collector may not communicate with a consumer in regards to any debt 15 USC1692 ( e ) ( 8 ) failure to communicate debt is disputed 15 USC 1692g ( 4 ) notice of debt content FCRA 15 USC 1681b permissable purpose 15 USC 1681c ( a ) ( 4 ) information excluded from consumer reports 15 USC 1681e Accuracy of report 15 1681s-2 ( A ) ( B ) reporting with actual knowledge of errors an after notice of confirmation of errors

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I called AMEX to cancel my card. During the 9 minute call they went through a number of offers to incentive me to stay. At one point I was told that my card has no annual fee ( although I thought it did ). The representative said it doesn't cost me anything to keep. Ultimately I was offered {$75.00} after spending {$1000.00} to keep the card. 

A few months later I received an annual fee and called to cancel. The representative said that the {$75.00} was given to offset the annual fee. I don't remember that being true. I explained to the representative I was told there was no fee and wanted to cancel. She then said I would be charged the {$75.00} bonus. 

This seems like I was baited into an offer under false pretences then charged an annual fee. When I contested the fee, I was charged an amount equal to the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: KS

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under several U.S. Codes 15 U.S.C 1681 Section 602 A. States I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions 31 U.S. Code 3123 - States I as an Original Creditor, and consumer don't owe debt, Payment of obligations and interest on the " public debt ''. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

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 2023-06-26 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: AL

Complaint narrative:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-06-26 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: NY

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-06-26 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: NY

Complaint narrative:
I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts CONSERVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I paid XXXX the original creditor on XX/XX/2023 and was informed that the account was in good standings as of that date, however the Collection company ( Credit Collection Services ) report the account on XX/XX/XXXX as a paid settlement. when it wasn't supposed to report to my credit report per the agreement with the original creditor nor any collection. Basically the collection was never involved according to my understanding. Therefore reporting a paid settlement should not be on my credit report. I spoke with an actual XXXX employee XXXX on XX/XX/2023 and she said nothing should be reporting on the credit report since payment was paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
On XX/XX/2023, I learned from a credit alert notification that a new collections account had been added to my credit reports in the amount of {$10000.00}. Upon further research, i discovered that my stolen identity was used to obtain an apartment lease somewhere with this property management company in Texas. I have an existing extended fraud alert on my credit reports due to past identity theft issues, and evidently the creditor failed to review my credit report, as it clearly says to contact me and take addition measures to verify my identity before issuing anything. Only about a week later, i received a notice in the mail from a debt collector, Southwest Credit Systems , LP. I promptly send them a response disputing the debt for the reason that it is identity theft, along with the identity theft report that was filed immediately upon my receipt of the alert on my credit reports. As of today 's date, Southwest has not only failed to provide evidence of the debt, but is also continuing to attempt to collect a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have previously filed a complaint here about issues with PayPal Credit & that we are no longer able to allocate how our payments are applied to our balance without having to contact the company every month, about each payment. PayPal dismissed the complaint and claimed that it was never possible to choose how payments were allocated on their site. However, as someone who has been a long term customer I know this to be false. 

My new complaint is about the resulting problems from the need to contact PayPal regarding allocations every month and the information which then is available/shown on our account. 

After being forced to contact PayPal each and every month about allocation of payments, usually so I can have them put toward special financing purchases, I have found that the requested changes - ie. where the money is allocated on the account, the accurate amount still due on special financing purchases and the account balance overall- is not being shown accurately. I made XXXX payments this month toward a special financing purchase ( XXXX for {$100.00} and XXXX for {$32.00} ), and contacted PayPal to have them allocated but the remaining balance for the special financing purchase still says over {$300.00} on my account. Its as if I have made no payment at all. 

When I contacted PayPal about this I was told that it can be XXXX billing cycles, meaning months, for the information to post properly! This is not acceptable. PayPal expects payments on time. We as customers are entitled to accurate and current information in regard to our account. We should not have to wait several months to see payments post and have to estimate what the balance is in the meantime. By not updating our account balance promptly we are being given inaccurate information and our credit report may be suffering as well. I have an accounting degree. I have done computerized accounting. Its not difficult to change how payments are calculated on an account. CFPB should require PayPal to display current balances that are accurate based upon all payments made and allocated as requested.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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:
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. 

XXXX XXXX, XXXX XXXX XXXX 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.

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 non-monetary relief