vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-02-16 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-02-16 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-02-16 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: MS

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016

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 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have been receiving REPETITIVE calls Monday - Friday from a Victorias Secret representative with commenity bank. I find this to be particularly strange as I have three other cards with commenity bank that are in good standing. The individual ( s ) attempting to contact me incessantly blow up my phone ( more than 10 times daily ) and have requested to speak with my attorney, have threatened to escalate the situation, and have even reached out to family members after my family members have asked them to cease and desist. I have explained to them I intend on settling the situation ASAP and have explained this multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX my sister in XXXX transferred XXXX Euro into my Capital One account. 
Before the transfer I called Capital Ine to inquire about fees and exchange rate, my sister did the same on her end in XXXX. 
I was told that Capital One does not charge any fees and will deposit the same amount that will come to their bank. My sister paid the fees that incurred in XXXX separate from the transfer. 
I checked the exchange rate for the next day, the day we made the transfer. It was XXXX. 
However I only received {$10000.00} instead of the {$10000.00}. I do understand that there might be a difference in exchange rate the bank uses, but the difference is {$270.00} which is extreme. 
I talked to several associates and managers at my bank who all insisted they did receive only {$10000.00} and the conversion was done before it hit their bank. 
My sister also talked extensively with her bank and they insisted that they did not do the conversion into US . Both bank said there was no intermediate bank they used. 
I finally got a statement from my bank after a lot of calls. I will attach it. 
I dont know what else to do. I dont know where who and why I received {$270.00} less. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NJ

Complaint narrative:
This is my second attempt to resolve this issue. XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.

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 2023-02-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I brought a chase private client {$2000.00} bonus coupon to Chase Bank in XXXX XXXX with intention to obtain the bonus. 
XXXX XXXX helped me to opened an account ( Chase Premier Savings ) and deposited my {$250000.00} to the new account. 
XXXX XXXX handed me a deposit receipt with a copy of account summary. 
Before I left the Chase Bank I have double checked with XXXX XXXX He told me that {$250000.00} has been successfully deposited to your new Chase saving account, everything is OK, no problem. 
After 90 days I just wondered why the {$2000.00} bonus has not deposited any one of my Chase checking accounts ( XXXX or XXXX ). 
XX/XX/XXXX Chase Bank assistant vice president told me XXXX didn't input {$2000.00} bonus coupon code to my new saving account. 
The Chase Private Client {$2000.00} bonus coupon only for customer open a new ( Chase Private Client savings account ) not for other Chase Bank accounts. 
I think XXXX XXXX opened a wrong kind of savings account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MS

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016

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 2023-02-16 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: MS

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: SC

Complaint narrative:
We purchased a used XXXX XXXXXXXX XXXX from Carvana ( VIN # XXXX ) on XXXX for {$16000.00}. We secured our own outside financing for the loan and made a {$1000.00} down payment to Carvana. Fifteen minutes after purchasing the car we had a mechanic inspect it and the entire undercarriage of the car was rusted and would likely fall apart within the next 1 to 2 years so we immediately returned the car on XXXX. Carvana says it can take 3 to 5 days for us to get our refund. Carvana cashed our {$1000.00} down payment check on XXXX. Carvana relisted the XXXX  XXXX XXXX on their website for sale on XXXX and there is a new purchase in progress for the car on XXXX from another consumer. As of now on XXXX Carvana still has not refunded our {$1000.00} down payment and they have not refunded the rest of the {$15000.00} loan to our bank ( XXXX XXXX XXXX XXXX ) so that they can close out the car loan. Why are businesses like Carvana able to turn around and sell a lemon vehicle to another unsuspecting consumer before they have refunded the previous consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-02-16 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: EQUIFAX, INC.
State: SD

Complaint narrative:
my legal full given name is ; XXXX XXXX XXXX, I go by NO other name, the credit reporting agencies will nor delete the wrong names off of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: SD

Complaint narrative:
my legal full given name is ; XXXX XXXX XXXX, I go by NO other name, the credit reporting agencies will nor delete the wrong names off of my reports.

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
I am being charged for XXXX XXXX XXXX  which I have never signed up for. Back in 2021. I am checking my credit and noticed it. I have never gave my social security number to this company or any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: OR

Complaint narrative:
I am unable to access my Transunion and Transunion XXXX accounts. I spoke with their customer service rep at ( XXXX ) XXXX on XX/XX/2023 and was instructed to email XXXX forms of photo id and a copy of a utility bill to XXXX. 

I sent the requested info as instructed. On XX/XX/2023 I received an email notification that my case was closed. Yet my problem wasn't fixed and I still can not access my accounts. 

On XX/XX/2023 I called their customer service number again and was told that my problem would be referred to the supervisor who would call me back. 

I have had no further contact with Transunion customer service. 

My access is still denied and I am not getting help from Transunion. 

Please help 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 2023-02-16 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: TX

Complaint narrative:
I have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
my legal full given name is ; XXXX XXXX XXXX, I go by NO other name, the credit reporting agencies will nor delete the wrong names off of my reports.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Money was constantly taken out of account to pay for bills not owed, causing overdrafts constantly.

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 2023-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
My employer sent {$10000.00} on my behalf to my student loan serviceXXXX XXXX/Mohela XX/XX/XXXX to pay down my student loan balance. However, it was sent to the federal student loan side and not to private student loans. I made a call in XX/XX/XXXX and Mohela said they could not transfer the money to the private side and they would need to refund the money back to my employer so a new check could be sent. I have continued to make calls to XXXX/Mohela requesting the status of the refund and they continue to tell me its being sent out. As of today XX/XX/XXXX it has not sent sent back to my employer. One of my contacts there is a supervisor by the name of XXXX XXXX. 

XXXXMohela continues to hold this money and in the meantime I continue to pay interest on a higher balance. I feel that they are purposely dragging their feet for this reason. 

I can provide a copy of the check sent to XXXX/Mohela showing when the funds were sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
The Texas Deceptive Trade Practices Act ( DTPA ) prohibits false, misleading, or deceptive acts in trade or commerce. 
I have been lied to, misinformed, and ignored by Honda Financial on various occasions. I want to bring attention to this matter. XXXX responded that I had a conversation with Honda Financialfailed to follow through on an agreement of making a payment on XX/XX/XXXX, so for that reason, Honda Financial is not honoring a deferment. That is not true I never had an opportunity to set an agreement, that is why I called after I found out but they told me I was wrong. This company has not lowered my fees or worked with me since I Lost my business during covid. Instead, I received a letter with false, misleading information. Cfp needs to step in I have a right

Company response to consumer: Closed with explanation