vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax because I was reviewing my report as I am in the market to purchase a new car. I noticed when I shopped for my mortgage rate back in 2021 with multiple lenders, I received a hard inquiry for each one. I had 6 inquires in a 13 day window. I called Equifax because I was concerned about how this has impacted my credit score for my home and upcoming auto loan. I have read on multiple credit sites as well as Equifax 's own website, shopping multiple rates for a new auto and a mortgage loan will only count as one inquiry as long as its done in a certain length of time. I attempted to try the online dispute, but Equifax does not give the option to file for this reason. I tried calling and after receiving multiple unsatisfactory answers by multiple people, I kept asking to have my concerns escalated to someone in upper management. The last person told me they are not going to correct it and they will not keep going in circles with me, despite what is stated on the website. Below I attached the FAQ from Equifax 's very own website.

When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or company requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. 

However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary depending on the credit score model ( the method used to calculate the credit score ) used, but it's typically from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you.

All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will generally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.

I asked for confirmation the two incidents where I shopped for my auto loan and mortgage only impacted my score as one inquiry each time and they stated it still counted as multiple inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I co-signed a card for a friend who was getting {$3400.00} to have XXXX XXXX XXXX. it was a line of credit for medical expense. The person who was making the payment was locked out of her account online and she tried, has several emails back and forth trying to fix that problem. She started paying over the phone because they do not send statements and she has no emails from them. I do not get anything. I found out my credit score went down by more than XXXX points because they reported me for not paying. Although i was a co-signer, i was never given any notification whatsoever that this was going into collection. My credit report shows a collection. When i called the company i found out it is not in collections. HOwever, the statement on this account shows {$2500.00} due. When i called and on my credit report, it shows {$5600.00}. They hung up on me when i wanted a printout of how they added this much to the balance and is it legal for them to ruin my credit without giving me an opportunity to fix it or pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of XXXX, I went to the Chase Bank near the XXXX XXXX to deposit 2 checks, 1 for XXXX, and one for XXXX. These checks were from a XXXX case I won. Since that time I tried to get access to my funds but Chase restricted my account, and asked me to bring proof of my address and I did that and then they still werent able to unrestrict my account and closed my account. Now, it has been 4 months of me calling Chase and Chase trying to verify the checks and to this day they say that can't verify it. I have brought in proof and still no release of funds. The 2 times I went and the CSR spoke of fraud on my part and that wasn't the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX NE XXXX, violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-05-05 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: BlueChip Financial
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. Account opened XX/XX/XXXX, XXXX, XXXX XXXX for U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/2022, Ally Bank offered customers a 1 % cash bonus on new funds transferred to Ally Bank by XXXX. On XX/XX/2022 I received an email from Ally confirming I had successfully enrolled in the promotion. I transferred {$33000.00} in new money to my Ally savings account before XXXX, and maintained the money in the account through the required time period ( XXXX. ) The bonus was supposed to have been paid by XXXX. To date I have not received the {$330.00} bonus I qualified for, despite having called about it several times. I have been told that the bonuses were not credited as was promised to customers, and that there are so many customers with missing bonus payments that they do not know how long it will take to credit customers the monies they are owed. One Ally rep I spoke with confirmed that I met the criteria and should have received a {$330.00} cash bonus.

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 2023-05-05 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: VA

Complaint narrative:
I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple 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 non-monetary relief
Consumer complaint received 2023-05-05 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: VA

Complaint narrative:
I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: VA

Complaint narrative:
I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple 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 2023-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit Card Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted Capital One in regards to this account that is reported in my XXXX XXXX and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. 

XXXX accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: CA

Complaint narrative:
My savings account was used unauthorized by this company online that I currently use. They kept telling me that it was my fault for accounts to change from my current to the other. 
Not true at all. When I saw my payment not go through, I went into account and hit the PAY NOW button ... not realizing my account was switched. They keep blaming me for mishap and not themselves. I'm am very irate. These people are completely XXXX XXXX They always read script-like, telling me they can resolve by me making a new payment. I paid all my bills assuming this was paid because my history of payments are ALWAYS the same. I would have to go out of the way to change my payment options KNOWING there is no money on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I disputed an account on experian that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from XXXX showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to XXXX 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.

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 2023-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was told that my car note was XXXX a month XXXX every two weeks now I am being told that I have to pay an high interest rate that I didnt agree to the interest rates is more than what the car is worth

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 2023-05-05 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: M&T BANK CORPORATION
State: CA

Complaint narrative:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. 

With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! 

For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. 

For M & T bank, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, 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.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  : # XXXX XXXX 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 Has violated my rights. 
15 U.S.C 602 A States I have the right to privacy.

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

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. 1681 s-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 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I received a call on XXXX stating I owed a past due debt of XXXX from XXXX from this collection agency. They are stating that I owe for equipment that I returned. I don't owe this company. I let the company know that I never received written communication from them to have a chance to dispute the debt. They reported this erroneous information to the credit bureau causing my credit score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX i filed a claim with edd and i recieved one payment for {$330.00} and the next two weeks i was suppost to recieve another payment and i never got one i called up XXXX and XXXX from XXXX said the payment was added to my account so i called up bank of america and they said the money was put in to my account i asked for a statement and i got it and reviewed it and seen there where charges that where not mine so i called up bank of america and explained to them what was going on they cancelled my card and sent me another one well in never recieved it i called up bank of anmerica again and told them well bye then i got another statement and it showed several charges bye then it had been two more weeks and there was {$2000.00}. put in to my account every two weeks well after that first payment i recieved i never got another one after that i had called up XXXX several times and bank of america well nothing was done about any of it i have been calling up bank of america for 3 years regarding this i had to find another job because i never recieved any more of my XXXX i recieved all my statements from bank of america and it shows 5 differant cards being used for the whole year of XXXX i called up bank of america and explianed to them but they have not done nothing they supervisor XXXX at bank of america said there was all kinds of credits put in to my account in XXXX but i did not get another card until XXXX the amount is XXXX dollars it started XX/XX/XXXX its Bank of America prepaid XXXX XXXX XXXX XXXX  TN XXXX My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX ) XXXX 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 monetary relief