vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Still reporting error of consumer identity theft. Agency reporting incorrect address, unauthorized inquires not signed authentically by consumer which needs to be deleted. Correct Address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. All the other addresses are incorrect. I did not provide written permission or instruction for identity transactions to be reported on my consumer report. 
I am requesting that this information be Blocked & Deleted. The reporting information of identity transactions are not my information related to any transaction by me as the consumer. ETC.

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 2022-11-04 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: AL

Complaint narrative:
The credit bureau violated my privacy rights and allowed XXXX XXXX XXXX XXXX to place negative reporting information against me on my credit bureau file that is listed with their company under my identity/social security number without my permission. According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I have not given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is. Therefore, XXXX XXXX XXXX XXXX has also violated my rights.

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 2022-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has repeatedly charged me late on payments when in fact Im not late cant mail a payment in the mail they say they never receive it I call to pay it they charge me extra money I pay on there website it takes to long to receive payment and they charge me late Ive disputed every time and won the case but Im just tired of the emotional distress of my credit score dropping XXXX points my family depends on my credit please help me with is bunch of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Attempting to collect over and above what is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: NV

Complaint narrative:
i have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, Equifax, and XXXX i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to XXXX and Equifax on my report its in complete violation of 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 highest balance shows different amounts account status shows paid on XXXX but show derogatory on equifax last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: PA

Complaint narrative:
We completed an online application at Cit Bank for a " high yield '' savings account on XXXX XXXX, XXXX. We immediately received an email stating that they needed additional information, but did not indicate what information they needed. The email indicated that they would contact us by phone or email to let us know what they needed. We didn't hear anything else from them until XX/XX/2022, when we received an email stating that they declined our request to open an account. 

I called customer service number on XX/XX/2022 to ask why they would not open the account. I was informed that they would not ( and " did not have to '' ) provide the information to me over the phone. The customer service representative said we would receive a notification in the mail. As of today, XX/XX/2022, we have not received the notification with the reason for the denial. 

In the meantime, we reviewed a copy of our XXXX reports, and there is nothing negative on the reports. I think we have a right to know the reason we were denied an account. Further, I am concerned that the high APY advertised was used as a bait and switch tactic to gain access to our personal financial information and review our credit reports for their own marketing purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I made refund requests for my Dept of Education held loan on XX/XX/XXXX and XX/XX/2022 from Nelnet as provided for under the CARES act and was told I would receive refunds within 4-6 weeks. On XX/XX/XXXX, my loan balance was not updated on my Nelnet account and I had not received refunds and so called Nelnet for an update as previously instructed and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could possibly affect requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. On that same day ( XX/XX/2022 ) I filed a CFPB complaint asking that my refunds be processed by XX/XX/XXXX. On XX/XX/XXXX, as part of their official written response to my CFPB complaint, Nelnet stated that my refunds were waiting on approval by the Department of the Treasury. On XX/XX/XXXX and XX/XX/XXXX I called Nelnet again and was again told they were waiting on approval by the Department of Treasury. 

On XX/XX/XXXX I called and spoke directly with the Department of Treasury Fiscal Bureau who explicitly denied that the Department of Treasury had ever received refund requests for my accounts and they said that refunds are solely the responsibility of and processed by loan servicers, and the ony approval is by the Department of Education, never the Dept of Treasury. I immediately called the Department of Education Federal Student Aid Office and they confirmed what the Dept of Treasury had said. I then in turn called Nelnet and spoke with a XXXX XXXX in the Nelnet Solutions Department, who reviewed the CFPB response and said that the information in the CFPB response letter from Nelnet was wrong and the Department of Treasury is in fact NOT who approves refunds. XXXX also confirmed that my refund are still sitting with the Nelnet accounting department XXXX weeks after the refund requests were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Approximately a year to 18 months ago I made a purchase from XXXX and opened a store charge card through Synchrony Bank to finance it . Unfortunately, the product was defective on delivery. One section was manufactured in the wrong fabric color and there were two specific mechanical defects. The merchant was recalcitrant about addressing the situation so I eventually opened a dispute on the payment balance. Extremely gradually over the past year they have reluctantly and slowly addressed these three defects until, finally, today delivering the replacement section in the correct fabric as purchased. 

Unfortunately, 4 times over the past year Synchrony Bank has inappropriately " resolved the dispute in the merchant 's favor '' without any communication to or with me whatsoever. Each time the defects remained unresolved but each time they closed the dispute without any investigation checks with me. The most recent time was 4 weeks ago and after extensive conversations they *promised* me this would not happen again. Of course it did. Again I received nothing from them though I always receive their e-mails seeking payment so we know they can reach me. This time they marked the account delinquent and assessed a late fee. 

They have refused to acknowledge or address their repeated mishandling of this situation and inappropriate adverse actions against me for their failure to communicate with me about whether the dispute could be closed or to notify me they were doing so. They have agreed to remove the late fee but they are refusing to take any steps to remove the adverse notation of delinquency with the credit bureau and they are refusing to account for how they continued to prematurely close the dispute before the deficiencies were resolved. As this has now happened on 4 separate occasions even after the most recent time when they *promised* it would not happen again I am left with no recourse but to file this complaint against them.

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 monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
Sure stay by XXXX XXXX was to be taking out XX/XX/2022 for two transactions total XXXX but XXXX $ to be released on XX/XX/2022 at check out. XXXX XXXX was booked XX/XX/2022 at XXXX XXXX but not showing on my account and they charged my girlfriend XXXX XXXX Chime. XX/XX/2022 I look my Chime account is over {$200.00} negative but my XXXX  is XXXX XXXX Then Chime removed some transactions from my account that I can prove was paid on a day thats not showing and money was not sent in the day Chime has listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a fake job offer and the employer was not real. They sent me checks in order for me to purchase their required equipment. So I received XXXX checks of {$4800.00} and those went through. They then told me to wire transfer these funds to people claimed to be vendors to purchase the equipment. No equipment was purchased. I sent them the XXXX wire transfers of {$3500.00} required by the fake employer. Another XXXX {$1000.00} through XXXX to people they said worked for their company as well. Lastly the transfers all went through and now all the checks came back as invalid and chargebacks. I am now negative in my account because of this scam and I have never been scammed before. This money is large too over XXXX and I am just very disappointed and concerned for my situation.They also told me to purchase an XXXX and XXXX post paid plan with my own money first and they would reimburse me. Also I did buy those XXXX items and once I did they asked me to send it to their technicians in Texas to add a work tracking device to keep track of my working hours. So I sent both devices in hopes they would reimburse me and send the products back. They never responded to me again. Please help regarding these issues with the devices. I dont know what to do, I just feel so scammed. I dont want to pay monthly installment plans for them when I was taken advantage of. All of these transfers and fake checks happened beginning XX/XX/22 and the last transfer was sent XX/XX/22.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by UPSTART NETWORK INC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent a communication to the responsible party which I will be attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
First company charged me for services I didnt receive XXXX and nca company charging me of a loan I didnt get

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a Bank of America account on my credit report that opened back in XXXX and updated in XXXX that I am not aware of at all. There is a credit limit of XXXX and now a balance on that account of XXXX. It has been affecting my credit score for months now. Ive called BOA to find out information on this account and theyve told me there is no account under my name or SSN

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 2022-11-04 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, have been a victim of fraud relating to XXXX XXXX XXXX. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of XXXX, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is 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 2022-11-04 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 — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: CA

Complaint narrative:
XX/XX/2022 Self financial XXXX XXXX XXXX Dear Credit Reporting Department or Self Financial ) : Re : ( account number ending XXXX ) On XX/XX/XXXX, I paid my account balance off. That information was supposed to be supplied to bureaus on first week of XXXX. Last rep informed me it was sent on XXXX. 

Unfortunately, your ( product or service ) has not performed well ( or the service was inadequate ) because the bureaus have stated XXXX has not sent reports on time its been the XXXX of the following month ) .XXXX  stated it automatically updates and they can see that none of the reports have ever been on time. I am disappointed because Ive expressed my frustration over this since XXXX. This product doesnt help the consumer. My balance has been XXXX since XX/XX/XXXX and yet it still hasnt been updated with bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I submitted a dispute with XXXX for company National Credit System, They received the dispute on XX/XX/2022 and XX/XX/2022. How is it possible to complete an investigation of verified debt without showing proof of how the debt was verified, proof of the original contract agreement, description of the procedures used to determine the accuracy and completeness of the disputed information. I have requested this information from XXXX but they have failed to provide proof of verification of this debt and proof of a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-04 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-04 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: OH

Complaint narrative:
Trouble making payments on time due to issues with their website. Trouble with them not drafting the checking account associated with payment to this account on the date specified. Have reached them reapetely on the matter. They have been less than helpful and locked my charge account for non payment when payments have not been able to be made due to issues on their end. I have been charged late fees due to this. Not one time has anyone ever asked me why payments are being made late and am enrolled in all of their insurance programs. Currently the account is in good standing provided the payment is recieved. I was on hold for a long time to speak with a supervisor and he basically screamed at me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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:
As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given Experian, XXXX or XXXX any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. Experian, XXXX or XXXX have verified or updated accounts without proof of what they used to verify them. the accounts in question are XXXXXXXX XXXX XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX these accounts should be removed 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