vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act

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 2022-08-25 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently pulled an Early Warnings reporting and XXXX XXXX report, and XXXX XXXX XXXXXXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy  Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I recently pulled an XXXX XXXX reporting and Chex Systems report, and XXXX  XXXX XXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX  XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.

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 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I have repeatedly been trying to get resurgent and LVNV funding to stop calling my distant relatives. This has been going on since 2020. They give out information about me. After the people tell them not to contact them. They harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: TX

Complaint narrative:
There are 4 unauthorized hard inquiries reporting on my XXXX and Equifax Credit reports from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed the wrong information that Regional Acceptance has given to the credit bureau such as late payment, current owe a balance, and last payment balance. 
XXXX sent me a dispute update on XX/XX/XXXX stating per their last update as of XX/XX/XXXX all the information is correct and that my current balance is {$12000.00}, which as of XX/XX/XXXX, that's incorrect. 
They also reported my last payment was XX/XX/XXXX, which is also incorrect ; the actual payment amount owed is also wrong. 
I can provide that dispute update and a copy of my regional acceptance that shows as of XX/XX/XXXX ; my balance is {$8200.00} ; I have paid {$460.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. 
This company continues to provide wrong information to the credit bureau, or the credit bureaus are reporting wrong information and I ask that all late payments be removed and that the account be updated. 
Please also be advised per Regional acceptance my next due date is not till XX/XX/XXXX The wrong report is impacting me on buying a house. 
I can provide statement documents proving what was reported is wrong.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Re : XXXX XXXX Ikea account In early XXXX I posted a payment to my Ikea card with an account # ending in XXXX. That payment cleared my bank on XX/XX/22. My monthly bill is not due until the XXXX of each month. I usually pay my bill early. 

When I logged in again to schedule my payment for XXXX I realized this account is being flagged as " late '' AND has been assessed a {$41.00} late fee. I wrote XXXX via the secured message center on XX/XX/22 and asked that late fee be waived given the fact that I had my payment promptly. I explained that I came to realize that Ikea/Commenity did not receive the full minimum payment due because of an error on their end, not mine. The amount they received was {$27.00} but that's because ever since BREAD became a part of the XXXX Co their system CONSISTENTLY changes the payment amounts on the screen before final processing. 

I know this for certain because I also have XXXX, Victorias Secret and other XXXX cards. Whenever I try pay more than the minimum, I have to manually the amount on the screen, by the time I get to the next window the amount reflected is NOT what I typed in and it is ALWAYS less. I have to re-do it 3 or 4 times before it rectifies for each account every single month. This happens across the board with all Bread/Commenity accounts. Given that the glitch is so rampant it must have done it with this account except I must not havre catched it this one time. 

Therefore this late fee is not something that is properly assessed because it was caused by the creditors own system issues. I was thinking of reporting this issue before because it so rampant but did not. Now that I'm being assessed a late fee that I don't deserve, I feel compelled to complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25 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: CA

Complaint narrative:
Received a notification that there was an inquiry on my credit report. On XX/XX/2022 there was a Hard inquiry on my Experian report to open a new XXXX XXXX XXXX XXXX installment loan/Bank account 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 2022-08-25 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: AL

Complaint narrative:
I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: AL

Complaint narrative:
I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: CO

Complaint narrative:
My US Bank Visa card was cancelled. The company stated it was because a merchant had been hacked, and that my personal information may have been compromised. I was sent a replacement card, but the company refuses to tell me who the merchant was or what personal information was compromised. I have requested this information twice over the phone. The company promised to address my concerns in a letter, by XX/XX/XXXX. No letter was received. 

I would like information on the security breach, including the merchant 's name and what personal information has been compromised. I believe this information could potentially help me avoid future breaches.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/22 I saw an offer on my account to activate " pay over time '' feature in order to receive XXXX American Express membership points. I took a screenshot of the offer and I activated the feature. To this day I still have not received the points, American Express denies this offer being on my account. I submitted the screenshot proof and they continue to deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My identity was stolen a while back. I did not know. My info has been used 33 times in the dark web. They took over my XXXX and I'm constantly being hacked in my bank account. This is not my card this is a fraudulent account made by someone else in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: FL

Complaint narrative:
TransUnion lately has been following the poor practices of the other bureaus. Disregarding valid disputes and indisputable evidence supporting my disputes. The FCRA laws are rarely followed and investigations are completed without any proper investigation, nor are they able to furnish any documentation supporting their position. I I have tried many times to correct the following issue with TransUnion which they continuously state my dispute is " verified as accurate. '' It is absolutely NOT accurate and they need to delete this fraudulent record immediately as I will be forced to seek legal assistance if they do not address after this attempt at resolution : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$130.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX This debt does NOT belong to me. I contacted the data reporting agency who confirmed the SSN, DOB and personal address information was indeed not mine. The agent assigned to this account assured me that this matter was closed and I should not worry about any adverse reporting activity appearing on any of my credit reports. 
When the fraudulent tradeline showed up, I immediately contacted the agent who lied to me about closing out the matter. This time he told me that it was reported in error and he had already notified the appropriate department for removal. To date, the fraudulent tradeline reports only on my TransUnion 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 2022-08-25 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX CHILD SUPPORT ENFORCEM Account number # XXXX XXXX & XXXX Account number XXXX XXXX XXXX Account number # 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 2022-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
The first time I disputed this medical debt was through XXXX and XXXX and the sold the debt to another collection agency Argon. This is the same collection I had on there before. They sold it to a new collection agency after they removed the previous collection. I had already paid this before and it should have never been sent to collections in the first place. I attached a picture of my bank account showing what I paid. Because we were having issues with my insurance and after my insurance paid that is what I owed and I paid it. I dont owe them any money. I also have attached what I paid to the lab because they charged me for each different department. I also have attached the bill I was sent through the mail. I never received anything else from them after I paid that so I was never told it was being sent to collections because I paid and I thought we were good.

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 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent 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. 

I have disputed this account before and it has not reported however its still showing on XXXX and equifax. the last reported dates are even incorrect. It keep updating and don't even say the description of debt. i need to see an original contract. Nothing is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-25 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: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-25 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: FL

Complaint narrative:
This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX  XXXX  ( Bank XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ) 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