vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit 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
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When I altray fist got my wells fargo active cash card we me and my husband has documentation that there would be no charges on both cards for 18 months. we both had cash advances option that was stated we would be charge fee for cash advance. i have had credit cards for over 12 years and i understand how they work but this company waits until i make the monthly payment and then go back and add money 2 my balance every month. First question is why isnt it included in the monthly payment. you cant keep adding money 2 my balance once i pay it down the 2 thing my husband got a cash advance also but they don't charge him extra fees. and the point i making is you pay for a cash advance when you get the cash and i only got 2 they charge me then the only thing they can do after that is charge intrest on cash and that should be included in my monthly payment. the second thing is i had card for 8 months than all sudden they started adding money on the account every month after i have made the payment we original got cards in XXXXXXXX XXXX XXXX just had them a year. no intrest on purchases for 18 months both cards. and i have several credit cards and this is only card they do this on. i saying its fraud. And i want this looked into

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is over 7 years and can not even be verified. I have disputed with no action taken by the credit agencies. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The struggle continues with my situation. I am frustrated as how you can offer XXXX XXXX  XXXX XXXX forgiveness if you base this grant on SSD guidelines as you clearly do not understand when this benefits ends due to reaching full social security age vs. having a 5 to 6 year review. Not all recipients of SSD have a review of benefits as they reach full social security age and flip to those benefits. Perhaps if I had been diagnosed earlier than within 12 months of my full retirement age, I would have been given a review date. However based on my diagnosis which is an automatic grant of SSD benefits I doubt that I would have been placed on a review. 

I have continued to contact them- they offer a benefit they do not understant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: MN

Complaint narrative:
Credit karma I have been with credit karma for over 5 years now and I keep getting pre approved credit cards but once I apply my credit score goes down and I get denied and this has happened numerous of times. Why would they say Im pre approved but I get denied and it also effects my credit score. Its very misleading and false information. How can I move forward because this isnt right Im trying to build my credit not destroy my credit and a future Im trying to build for my children. XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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:
Equifax/Equifax credit bureau is sending out frivolous letters. They recently sent me three letters on the same date, XX/XX/2022, for identification after they fraudulently said they couldnt find my account and removed/deleted some accounts I requested to be removed/deleted when I called XX/XX/2022 and submitted my complaint through CFPB also on XX/XX/XXXX. These actions are making me lose confidence in Equifax/Equifax credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. Also according to the new law that has been passed it states any medical debt is to be removed thats under XXXX XXXX

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 2022-09-07 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: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. Also according to the new law that has been passed it states any medical debt is to be removed thats under XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-07 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target reported a fraudulent address and phone number to XXXX Credit Bureau. 
They told me to also file with you so there is a record of the issue/complaint. Target has frozen the account until proper documentation is received. I have elected to let them close the account for these security issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: MI

Complaint narrative:
These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status XXXX says open XXXX is closed XXXX XXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXXXXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open experian says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: MI

Complaint narrative:
These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status XXXX says open experience is closed XXXX XXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open experian says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express declined my application for a XXXX Credit Card on the basis of 'too many new accounts '. After walking through my credit report and detailing the number of new accounts and the timeline of opening these accounts, company representatives have explained this 'does not seem like too many accounts ' - therefore bringing into question if this was inequitable / discriminatory consumer lending practices. I would like American Express to explain, quantifiably, how many accounts over what period causes a decline in order to match this information with my credit report and see if this was equitable or not. 

Recommended solution : 1 ) Appeal and manual review of the application, 2. ) Contact from American Express outlining its policies that quantifiably explain the rationale for decline ( equitably ), and/or 3. ) company retraction of hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WA

Complaint narrative:
Hello - I called this morning for Edfinancial to get a request for my refund from the CARES act. After the process they stated they did not know when I would get my refund or when my balance will be reinstated, I find this extremely problematic as I wanted clear transparency from the company to give me a timeline that I can look forward to. I am aware that some other loan servicers have it reinstated after a week or two but I have no clear answer into when I will see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX has filed a collection account with multiple collection agencies. Each time they have placed the alleged account with a collection agency, I have disputed it. In 3 separate cases, the disputes were removed because they can not document the claim. The most recent filing is with XXXX XXXX XXXX account # XXXX per my personal credit report. They claim the account was opened XX/XX/XXXX. This is not accurate and they have not provided any documentation of proof. The address for this agency is XXXX XXXX XXXX XXXX XXXX, Mn XXXX. Phone is XXXX. 

The alleged creditor XXXX XXXX XXXX has now submitted this for collection three other times to three other agencies. The three prior claims have all been removed. This is a deliberate effort by XXXX XXXX XXXX to ruin my credit by continuing to place the same account to multiple collection agencies. This is not a legal practice permitted under the Fair Debt and Collections Practices Act. This is intentional and prohibited. 

XXXX XXXX XXXX had breached their agreement to provide services to my home. They were advised of such. Currently XXXXXXXX XXXX  Trans Union are reporting this item for {$570.00}. of which I do not owe. They placed this account in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. The first two were removed from my report after dispute. 

I am seeking damages as this practice has dropped my credit score by XXXX points and has cost me in rates for other credit I have applied for. It is also causing me issues with my current job as a lending executive.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
UPDATE - THEY SENT ME A REFUND CHECK BUT NOW ARE CALLING ME ABOUT LATE PAYMENT AND INTEREST - THESE HAVE GOT TO BE THE STUPIDEST WORKERS IN THIS WORLD!!!!!!!!!!!!!! DO NOT HARRASS ME I MADE A PAYMENT ON THE XXXX OF XXXX ( details already below from a PREVIOUS COMPLAINT ) Comenity REPS numerous ones told me they would fix this. Instead they sent me a REFUND CHECK for the payment due on my account. I WANT THEM TO REVERSE ANY CHARGE ON THIS CARD SO I CAN BE DONE WITH THESE IDIOTS!!!!!!!!!!!!!!!!!!!! 

In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXXXXXX XXXXt separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXX XXXX XXXX XXXX  card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed a verifications f debt letter to IC Systems. On XX/XX/XXXX they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I was advised by the representative that they forwarded the letter on to XXXX XXXX who was the original creditor but that they did not receive a response. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. 
I was told that they would not remove it then they agent again attempted to collect on the debt. 
The amount of the debt shows to be {$950.00} opened on XX/XX/XXXX last report XX/XX/XXXX.

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 2022-09-07 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: NY

Complaint narrative:
My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit 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
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over 1 year ago I removed all credit freezes from the credit bureau to secure a home loan. Within that time I have checked my credit corrected errors and updated information. My loan file can not move forward because Equifax now has an extended fraud alert and a telephone number on my file that I haven't used in decade. I called in verified my identity and can not get expedited assistance for my file to go back to underwriting

Company response to consumer: Closed with explanation