vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: WV

Complaint narrative:
I file this complaint to compel LexisNexis to honor my request to opt out of XXXXXXXX XXXX promotional lists. According to the attached letter dated XX/XX/2023, I failed to submit my date of birth and social security number with my request. Quite frankly, this is a false assertion. It seems that LexisNexis and XXXX XXXX XXXX would rather continue to make money selling my personal information while knowing full well that I have been the victim of identity theft. That is honestly disgusting. I have attached my drivers license, birth certificate, social security card, passport and a recent cell phone bill. Although it should be unnecessary to do, I have also attached the ID Theft Report I filed with the Federal Trade Commission to refresh LexisNexis ' recollection of the theft of my identity. I have stated this fact to LexisNexis many times, including in prior CFPB complaints. I expect my opt-out request to be honored forthwith. My XXXX XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report 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 non-monetary relief
Consumer complaint received 2023-12-17 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: LA

Complaint narrative:
TransUnion violated my privacy by allowing third party companies to look at my credit report without my permission. In which allowed those companies to do Promotional inquiries on 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 2023-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have been with Bank of America for XXXX years and all of a sudden they transfer my mortgage loan to XXXX XXXX company which is fraudulent activity because I was making the payments and for the year of XXXX they say that they never received any payments BofA and XXXX XXXX company is trying to foreclosure on the house somehow they neighbors no exactly what is going on at the address in XXXX XXXX Nevada some how it is people that are in my family and friends like XXXX XXXX, XXXX XXXX, they have been paid to lie about me also they have been going into my house without my permission, putting toxic stuff inside the pipes going in my address getting statements there is illegal cameras inside, listening devices, etc. my son XXXX XXXX could be XXXX XXXX. His father is XXXX XXXX my son XXXX only XXXX years of age I dont understand how my family participated with this nonsense but I guess for bribery somehow, and then bribed other family members and friends as well, its very disturbing all this to take my home. I guess Ill make sure that I go in for closure. I dont know. Ive been trying to do a mediation with the company and I havent been successful yet. Its so much stuff going on. Its very sad. XXXX XXXX is XXXX XXXX father. Its so much I just dont understand how this is legal to continuously tow target harass manipulate lie very evil, but with the help of family members and friends, or listening on the phone calls whatever people do would be the only way that you would fraudulently be able to do what youre doing and consistency. I feel like the friends that I thought I had known a whole lot plus family members like my uncle XXXX XXXX my dads brother this is very disturbing and I need help my XXXX older kids XXXX passed away XXXX year ago Im worried about the safety and welfare of my family at the above address pls help us

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Lowering credit limit to balance of card, also withdrawing any cash advance limit. 

This giving Citi bank a chance of doubling the interest rate and possible over the limit fees once interest charges post to account monthly. 

Inability to pay off debt in a timely manner, and not accrue additional charges is abuse to the consumer!!!!! 

Restrictions and guidelines should be enforced to limit the abuse for consumers that use credit cards.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Paid up my XXXX account but got missed payments for 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I was sent the title, but this still appears on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: NY

Complaint narrative:
I am writing to let it be known that I experienced a security incident that resulted in unauthorized access to my personal information.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XXXX at Tower Loans is a complete lier, saying they didn't say anything to my fiancee about my loan how I was lying to her, then on complaint form I sent last, XXXX 's comment saying XX/XX/XXXX is just upset he can't pay his note, she is a lier I went in afew days later and paid {$800.00} on it sometimes I don't get a check when planned I'm a Sub-contractor, she needs to respect tower loans customers and threatening poeple about going repo their belongings, to family members, not right to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I logged into my account and attempted to use the XXXX feature to send money. All of a sudden the app kicks me offline and says my account is temporarily XXXX. I called the banks customer service and inquired about the issue. The customer support was very rude and not of any help. They refused to tell me the reason my account was XXXX from online access and stated I must wait XXXX hours. They completely closed off any visibility of my account without letting me know.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid 3 time 's for Equifax subscription 's and can't get access to my account Case # XXXX although I was verified with by there agents with a Painful authentication machine/system ( requiring consumers to revel their identity by takeing several pictures of their ID and Selfies ) that XXXX and XXXX don't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
They denied it but it's still showing hi alert on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I received written notice in the mail on XX/XX/2023 that my XXXX 's store charge card would be making several changes : 1, Introduction of a {$1.00} paper statement fee 2. Increase in interest rate to 31.99 % XXXX charge card is owned by Synchrony Bank. I perceive the {$1.00} statement fee as a junk fee. I also consider interest rates over 31 % to be usury rates. This is absolutely ridiculous. I will be paying off my card and cancelling my account but this seems borderline illegal, especially given recent CFPB guidance to banks on Junk Fees, including paper statement fees. 

Thank you.

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 2023-12-17 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: TX

Complaint narrative:
In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXXXXXX. Account name : XXXX XXXX ( XXXX ) XXXX ( TransUnion ) XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : National Credit XXXX. Account name : XXXX XXXX. Account name : XXXX XXXX. 

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
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXXXXXX. Account name : XXXX XXXX ( Experian ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : National Credit XXXX. Account name : XXXX XXXX. Account name : XXXX XXXX. 

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 explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Called American Express prepaid services at XXXX XXXX with multiple agents on XXXX XXXX who advised they have authorized payments at online retailers. Given 24 hour wait times to wait for authorization for prepaid card to be declined. Spoke again to another agent on XX/XX/XXXX who advised to use at yet another retailer and to no avail the card was still declined. However a pending charge of {$0.00} was charged and pending no agents can explain why the pending charge is there. Requested a supervisor and told none are available and to call back in 2 hours and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied and was approved for credit on XX/XX/XXXX. I received a statement that my FIRST payment is due on XX/XX/XXXX for {$150.00} PLUS a past-due amount of {$0.00} for a total of {$150.00}. I called and was advised this was due to a system error and to disregard it. I asked for that in writing as I do not want a late payment to affect my credit report and was advised that Synchrony/Allegro do not report to CRAs. I asked to have that in writing but they declined. I asked to speak with a Supervisor and was told someone could call me back. Due to my difficult work hours, I declined. 
I reviewed my loan agreement and found the following clause : " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your loan may be reflected in your 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