vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under my name.

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 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a message from the bank that I added a person to my contact from XXXX. Later I called the bank to figure out how the contact was added, and they told me that there was no contact added. Then 2 hours later that same contact took money out of my bank account. Then in the same moment as money was being withdrawn from my account I called the back and told them to block the account. The bank blocked the account after the 9th transfer but only cancelled 2 of them. They later told me that I was the one who made the transfer and refused to give me back my money. This happened on XX/XX/XXXX of XXXX  for the amount of {XXXX} and the withdrawals were {XXXX} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: MD

Complaint narrative:
Showing XXXX decease on my credit report Having me get denied for everything I apply for. Having a big impact on my life style

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 2023-05-15 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: MD

Complaint narrative:
Showing Im decease on my credit report Having me get denied for everything I apply for. Having a big impact on my life style

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
XXXX XXXX XXXX Status shows : Account charged off. {$1000.00} written off Account XXXX XXXX This was paid off in FULL and closed and was told would be removed. 
Reached out numerous times NO UDATE from Experian. XXXX XXXX is stating this was reported numerous times. 


XXXX XXXX XXXX Status shows : Paid, Closed. {$790.00} written off Account XXXX XXXX This was paid off in FULL and closed and was told would be removed. 
Reached out numerous times NO UDATE from Experian. XXXX XXXX is stating this was reported numerous times.

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I bought items on sale and on clearance was never told promotional items, added XXXXXXXX XXXX back on card. I made complaints. They sent me a letter that had a false statement on it. Told me that I was late and it was the reason for adding the XXXXXXXX XXXX XXXX but I was not late ; instead it was an early payment. After being caught being misleading with the reason for adding extra money then they tell it was mistake it was promotional items that was bought and I told them I did ot buy any promotional items, items I bought from zales were on sale and on clearance never promotional, card told me it was too late too take off extra money that I had sixty days to make complaints.I made complaints when I got the bill online, the very next month, never went past there days to make complaints. So they hung up on me, when I asked to speak to higher ups after the third complaint.My complaint is against Comenity.net/zales. Which represents Zales until you have a complaint, then they are separate entities then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: LA

Complaint narrative:
AMEX promoted waiving fee on XXXX precheck. So I charged and they would not support my platinum card. But they list it below. When I called for credit, they said my card was ineligible which is very misleading from info below. I could have used my XXXX XXXX and received the credit. But now I am stuck. I think they owe me the {$78.00} dollars. 

XXXX PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card Members, and Marriott Bonvoy Brilliant American Express Card Members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My issue is with Comenity Capital Bank Visa Card. Comenity took over XXXX XXXX credit card services from XXXX XXXX XXXX in XXXX of 2022. There have been several issues that I will try to summarize below : 1. Failure to timely and accurately deliver the new Visa cards.

2. System issues where they could not auto withdraw from my checking account.

3. The biggest issue is they denied approval of some of my charges because of previous charge amounts and/or the size of the purchase. EVEN THOUGH I HAVE ALWAYS BEEN BELOW MY CREDIT LIMIT MAXIMUM. This almost resulted in me losing my reservation on a cruise and our deposit for the cruise. I have never been advised or communicated of any security protocols on the card on when they will allow charges or deny charges even with my authorization. And there customer service areas and supervisors have no way of overriding their system to allow a charge that I want and approve to be processed. I have no way of knowing when they will accept a charge or deny a charge even though I am within my credit limits. They should not be able to pick and choose which charges they accept or deny if I am within my credit limits. I understand that for security reasons there might be certain protocols but they need to communicate what they are ( and there supervisors were not able to do that for me ), have a mechanism of reaching out to me to see if I approve them, and have the ability to override the system so that the charge is just denied even though I am within my contractual agreement with them. I also saw that there might be a pending class action suit against Comenity for this type of performance, as well as these issues filed with the XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 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: DISCOVER BANK
State: CA

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 a consumer reporting agency can not furnish my 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are incorrect addresses that's on my account and fraudulent addresses on my Experian credit profile that I do not recognize. These addresses I have never lived at and want the deleted and removed from my Experian credit profile. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type - XXXX XXXX XXXX XXXX, NC XXXX Resident type Apartment complex

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 2023-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have 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 2023-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax reported to XXXX XXXX that my credit score was below XXXX when actually my credit score is XXXX. Because of their error, I had to put up a deposit in order to open electrical service. I would have not needed to put up a deposit. I called Equifax and they said " no problem with your account '' but would not explain WHY they lied about my credit score. I need to know why. It costs consumer money because of errors reporting the wrong scores or is this done on purpose?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 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 2023-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
Three times theyve confused me with someone else. The other person, who MOHELA told me the name of, has applied for Public Loan Forgiveness. That is not me, I have never done that and have no reason to. Their customer service has gone to bosses each time to try and rectify the problem as theyre not just harming me, theyre more importantly harming the person applying for the public loan forgiveness. MOHELA is incompetent. I file this complaint and will call them soon with this complaint on record to try and rectify the problem. Wading through 10 minutes of prompts on the phone, followed by 15 min of waiting, followed by 25 min of someone trying to fix THEIR problem is not how I like to spend my time. Much less doing that three times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
I woke up at XXXX XXXX on XX/XX/XXXX, and received an email from XXXX thanking me for an order. I did not submit that order, it was fraud. I immediately XXXX that day to try and cancel the order. The customer service person told me they would cancel the order. I called my bank ( Ally Financial ) immediately after this to dispute the payment. They told me they could not dispute the payment until the transaction was completed and to call XXXX. I called XXXX again the following day and they assured me the order was canceled. I was able to finally dispute the transaction on XX/XX/XXXX with Ally. I received a temporary credit. I logged into my account last week, XX/XX/XXXX to see that XXXX was taken out of my account, twice. I was informed that Ally closed the dispute, and XXXX sent over " sufficient '' information saying the transaction was correct. It was not. I was not awake at XXXX XXXX. I did not receive 10 Arts & Crafts books nor the boxes of cereal that were fraudulently ordered. There is no shipping information, and XXXX is claiming they mailed me the items in questions within 24-48 hours ... which is impossible as I live in a remote, rural area. In addition, the books in question are not fulfilled by XXXX but " XXXX XXXX '' ... typically when things are not being fulfilled by the primary company, it takes time to even ship out, let alone less than 2 days. I have attached my call records, both to XXXX and Ally. I have also attached the emails that I first received when I learned that my XXXX account was hacked in. The emails arrived to me at XXXX XXXX. I work at a school and consistently wake up at XXXX XXXXXXXX XXXX XXXX as I need to be at work at XXXX. 

I also noticed that my savings account is short XXXX with no explaination. My current balance is XXXX and there are no transactions showing why this amount is missing. I have had nothing but issues trying to contact Ally to try and dispute these transactions.

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 2023-05-15 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: IL

Complaint narrative:
Someone brought a car in my name. I didn't not sign or authorize anyone to do so.

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 2023-05-15 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



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 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 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 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 Please remove it 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 non-monetary relief
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
I have sent and 3 letters telling the credit report to delete items thats on my credit that incorrect and they not respond back to me i been trying to get the items of my credit since XXXX and they still are reporting items on my credit thats incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: FL

Complaint narrative:
I have sent and 3 letters telling the credit report to delete items thats on my credit that incorrect and they not respond back to me i been trying to get the items of my credit since XXXX and they still are reporting items on my credit thats incorrect

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 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
A civil suit is being filed on a XXXX XXXX XXXX debt. I first heard of this via my roommate on XXXX XXXX.They didn't contact me, by either address or phone but called my roommate leaving personal information about this debt which I have no knowledge of. I call back the number left on roommates phone and it's a lawyers office in XXXX XXXX ca saying they tried to contact me at an old address and my current address but nothing ever came here. I explain I don't know what they're talking about and ask for documentation for this so called debt. She tells me it's like a criminal complaint and they don't have to tell me anything. They are hired by there client who they won't tell me who that is and all I got as far as info was the debt was originally from u.s .bank in 2006 and was sold to a debt collector. I don't know what there talking about and I've received nothing in writing so I don't know where to send a dispute or how I'm suppose to find out a court date...

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