vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 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:
in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 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 2022-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
While on business my phone was stolen form my hotel room, along with other valuables. 

I filed a police report with the XXXX XXXX. 

Whilst in the thieves hands, they used my credential to pay themselves money. 

A total of {$300.00} was stolen from my account. 

Cashapp wont even discuss the matter with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXX XXXX XXXX account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: NV

Complaint narrative:
I noticed a few inquiries on my report that I don't recognize and I called both XXXX and Equifax to have them verify and/or remove the inquiries. Both bureaus refused to verify and refused to remove the inquiries. 

The inquiries I don't recognize : XXXX XXXX XX/XX/2022 on XXXX XXXX XX/XX/2022 on Equifax XXXX XXXX XXXX XX/XX/2022 on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: FL

Complaint narrative:
My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage loan

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 2022-06-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
A fraud dispute with Synchrony Credit. The company agreed to refund original disputed charges. When checking the math, 3 of the disputed charges were not refunded. Attached is a screenshot of the Synchrony statement showing all refunded amounts. XXXX charges for {$360.00} and XXXX for {$410.00} ( {$1100.00} total ) were not refunded. Since my original balance was < {$800.00} before the fraudulent transactions in XXXX, and I have made around {$1200.00} in payments since then, my current balance should be a negative number. Note : Synchrony did not respond to my first letter to them in XXXX of this year. They did respond in XXXX XXXX CFPB.

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 2022-06-29 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: PA

Complaint narrative:
On XX/XX/2021, I noticed an inquiry from XXXX XXXX Bank on my Transunion consumer credit report. The issue I have is that no investigation was done by Transunion and the inquiry is still on my report. I say this is an issue because I don't recognize the inquiry plus the name on the inquiry is spelled XXXX XXXX. How could this make it to my report of Transunion is supposed to be exercising grave responsibilities. I attached proof of the inquiry and the spelling of my name being wrong. I also attached the Identity Theft 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 2022-06-29 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my consumer 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. XXXX XXXX XXXX XXXX has also violated my consumer rights pursuant to The Gramm-Leach-Bliley Act which limits when a financial institution may disclose a consumer 's nonpublic personal information to nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: CA

Complaint narrative:
Theres incorrect personal information 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 non-monetary relief
Consumer complaint received 2022-06-29 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: TX

Complaint narrative:
On XX/XX/2022 I put in a complaint with CFPB on TransUnion for reporting a debt that does not belong to me. That same very day, XX/XX/XXXX, they went into my credit file and reduce my credit score by XXXX points saying it was because I had XXXX accounts that reduced balances and XXXX account that increased. Then 5 days later, XX/XX/XXXX, they reduced my credit score again, but this time by XXXX points, stating that a credit card decreased balance and one credit card increased. Then on XX/XX/XXXX, 3 days after the last decreased of my credit score, TransUnion decreased my credit score again by XXXX points, stating a decreased in a credit card and one increase in a credit card was the reason. 
This is truly done out of spite to me, as it is malicious and discriminatory. This hurts my credit with any creditor and causes me to have to pay higher interest. They not only are doing this deliberately, because they have decreased my credit score by almost XXXX points, I am in jeopardy of losing or being declined for my home mortgage. 
This is a willful and deliberate act by the credit bureau. See attached.

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 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage loan

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 2022-06-29 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: FL

Complaint narrative:
My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: LEXISNEXIS
State: IL

Complaint narrative:
The company is reporting multiple unverified alleged bankruptcies on my consumer report. Ive called multiple times to have them removed and they are not. They are also sharing my information with the credit bureaus in which I froze my account. The credit bureaus now have this inaccurate information which is now reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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:
i get back a bad response i asked that they provide me with info on when these inquiries wrere made by me and they respond with XXXX that dates are wrong on XXXX XXXX XXXX of requestXXXX  Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX & XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXXDate of requesXXXX Account nameXXXX XXXX  XXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXXXXXXDate of requestXXXX Account nameXXXX XXXX XXXXIDate of requestXXXX Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXX XXXXDate of requestXXXX Account nameXXXX XXXXDate of requestXXXX Account nameXXXXDate of requestXXXX Account nameXXXX  XXXX XXXXDate of requestXXXX Account nameXXXX XXXXDate of requestXXXX Account nameXXXX XXXX and nothing was corrected like i asked for prove to me when i made these inquirys please

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 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates XXXX  has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting

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 2022-06-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates XXXX  has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates Navient has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting

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 2022-06-29 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: NJ

Complaint narrative:
In accordance with the fair credit reporting Act. XXXX XXXX  XXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX, date opened XXXX XXXX. Original Creditor XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-06-29 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: CA

Complaint narrative:
Theres hard inquiries not consent to pull credit or report it

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 2022-06-29 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: CA

Complaint narrative:
Theres hard inquiries not consent to pull credit or report it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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:
Theres hard inquiries not consent to pull credit or report it

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 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Requested a payoff letter for my mortgage to payoff the mortgage to get away from Rushmore Loan Management, received the payoff letter XX/XX/XXXX with a good through date of XX/XX/XXXX. Sent the payoff of {$89000.00} to Rushmore through XXXX next day on XX/XX/XXXX, to be signed for at delivery. No one was available at the office to sign for delivery on XX/XX/XXXX and someone from Rushmore signed for the payment on XX/XX/XXXX at the post office. Rushmore is now stating the payoff is XXXX and refusing to apply the payment of XXXX to the loan and still charging the full per diem interest amount on the full payoff amount instead of the change the per diem would be on the remaining XXXX. Ive had multiple issues with payments not being processed timely, or at all with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MD

Complaint narrative:
Good Evening. I have made several attempts to have the inquires, wrong names, addresses, bankruptcy accounts on my reported removed from Transunion. I have sent my information several times and I have the tracking number XXXX. I have also requested a copy of any written authorization that I gave to TransUnion to report anything on my behalf. TransUnion has violated my privacy and continues to put false information the 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 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express attempting to collect during an active reinvestigation, using various mediums, email and text. This was included in the Cease and Desist and the Debt Validation to not collect during this process, and to stop communication ( harassment ) during this process. See attached invoice and exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is my XXXX year with Capital One, I have two cards with them, I wanted to make a payment which is due on XX/XX/XXXX and at XXXX pm. I was already charged {$25.00} on each account ( {$50.00} in total ) I called immediately ( XXXX pm ) and was told they can not waive the late fee, the staffs were not considerate and they all just wanted my money. How can you charge a late fee for the same day, they said I am not eligible for a waive. I will tell all family and friends not to patronize this credit card company since they use every means to rip people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates
State: IN

Complaint narrative:
Company began calling my cell phone number ( XXXX ) repeatedly leaving voice mails with incorrect mailing address but my correct name in regards to a debt owed. They also began to call my spouse and may be calling my extended family repeatedly throughout the day to try and get a hold of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: NJ

Complaint narrative:
To whom it may concern, after several attempts with the agency in which they still choose to ignore my request, I am requesting that the following information in my file be deleted & removed I am a victim of identity theft because someone took advantage of me leaving my ID at my old address before I moved out along with other documents such as my social security card And have opened several accounts over the years and my credit score is being greatly impacted by this companies refusal to delete. I have sent my identity theft report to them via certified mail also have tried to upload it via online service, but the system keeps saying error that I reported to the Federal Trade Commission, and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt. it has been over 4 days and you are now in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. the Fraudulent Accounts are as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ALSO MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX NJ XXXX PLEASE DELETE ANY OTHER ADRESSES ON FILE

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