vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
XXXX XXXX XXXX is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
XXXX XXXX XXXX is in XXXX violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.

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 2021-11-28 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: AZ

Complaint narrative:
TransUnion 's consumer reporting agency has assumed a vital role in assembling and evaluating my consumer credit and other information pertaining to my consumer report. With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with unauthorized inquiries and accounts. Not only did I not use my social security card to authorize these consumer credit transactions but more importantly these items are in violation of several Fair Credit Reporting Act laws that protect my consumer rights.

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 2021-11-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 i sent a letters 30 days ago with inaccuracies on my credit report and i have yet to receive a reply back. I have done my own research and i know that they have 30 days to investigate and reply. I feel taken advantage of by the credit bureaus because they are ignoring my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Sent me a marketing on XX/XX/XXXX. 

I have received other marketing material from American Express since XXXX. I have made requests with XXXX XXXX and XXXX XXXX XXXX XXXX None of the requests have been honored and i continue to receive marketing materials from American Express. I am very upset that this continues to happen and i would like it to stop. I have applied for the The XXXX XXXX XXXX Credit Card from American Express and the The XXXX XXXX from American Express. I have been declined for both and i have asked not to get any further marketing from the companies because of this. I have every right to use the opt out and the XXXX  to stop solicitations. Yet, American Express does not respect my requests and they continue to solicit at their leisure despite my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28 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:
I have contacted Transunion via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report. They still have not the negative fraudulent items.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: UT

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
This dept is old. I live in the state of Maryland and any dept over three years can not be collected/requested for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
On XX/XX/XXXX I purchased a deposit for a furnished apartment rental with XXXX XXXX XXXX XXXX for {$250.00}. The dates of the rental was from XX/XX/XXXX - XX/XX/XXXX. Total cost of the rental was {$3600.00}. 

On XX/XX/XXXX I cancelled my reservation by contacting the merchant on the phone. The merchant said that he was able to discount the total cost of my reservation by % 80. The merchant sent me the updated invoice for {$720.00}. I paid {$720.00} on XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX charged my credit card {$2700.00}. I should not have been charged this amount because I had paid the {$720.00} in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I opened my XXXX credit card 2019. I have made my payments on time. Now they are taking credit from me messing up my credit. I feel I'm being discriminated against and wronged because of my being a female. I have paid my bills on time. They wait 2 or so years to look at my credit to take credit away from me. You still get wronged even after you paid your bill on time. My credit limit was {$250.00} down to now {$200.00}. How is someone supposed to build their credit when they keep decreasing your credit limit. I feel this is an attack based on my race and my being a female.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: CA

Complaint narrative:
I am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts 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 explanation
Consumer complaint received 2021-11-28 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: CA

Complaint narrative:
I am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My wife and I escrow our mortgage, however our mortgage company Flagstar Bank has not been paying our property taxes correctly. They paid less than the amount owed in XXXX and paid it late, and are on track to also pay our XXXX taxes late and for less than the amount owed. Our escrow account has always been overfunded, so the cash to pay the full tax bill was available both years. I had called the mortgage company a while back to ask about a notice I received stating that I had a lien on my home due to unpaid taxes. Flagstar assured me that the account was current and would be paid on time, so I believed it to be true and did not follow-up further.

I recently started getting notices about unpaid taxes on our home, which is when I discovered that Flagstar had not been paying our taxes appropriately. I have reached out to the mortgage company to correct the issue, but wanted to report this nonetheless since I should not have to continue to take time away from work to address their incompetence. 

I am an XXXX XXXX XXXX for a XXXX XXXX XXXX doing XXXX in the mortgage audit space  and it appears to me that Flagstar or their sub-servicer has some significant gaps in their internal control processes. I'm happy to speak further about this if needed.

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 2021-11-28 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Basically I was shopping online at XXXX. When I was checking out it said I could save 40 % on this order if I applied for the card ( It even gave the exact dollar XXXX I would pay if I got it ). I applied. It said approved and said it would be added XXXX order. It wasn't. I called customer service to get the card number and a code for the XXXX percent off. The first associate hung up on me. The second directed me back through the automated system. At this point I knew this must be a regular thing for them and the employee knew I wasn't getting what I want and was going to be upset. I asked for a manager and he told me Don't worry, you'll get your card in a week and can use it then. I was like, No... I want to use it for this order. He told me it had to be used when making the order so he couldn't help me. I was still in the order!!! I had left it on my phone for days. So basically I made a contract with this company that I applied for their card and I got 40 % off. I did my part and they didn't follow their part of the contract and they don't care. The bank is called Comedity Bank. The manager wouldn't give me any last names and said there was no one above him to speak to. So basically I got scammed and my credit is taking a hit for no reason. He told me he couldn't close it and can't do anything about my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: NH

Complaint narrative:
As of XX/XX/XXXX I had a balance of {$4600.00} on my Wells Fargo credit card. The whole of this balance was from a balance-transfer offer and was financed at 0 % apr until XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$270.00} using the card. This purchase was subject to a 16.99 % purchase apr. On XX/XX/XXXX I made a payment of {$320.00} and on XX/XX/XXXX I made another payment of {$1900.00}. These payments were well in excess of the {$48.00} minimum payment for my XXXX statement cycle, yet neither was applied to the purchase balance that was accruing interest, as they should have been under US federal law and CFPB rules. According to Wells Fargo, as of XX/XX/XXXX, I still have a XXXX purchase balance accruing interest at 16.99 % and I have been improperly charged a total of {$6.00} in interest for this purchase.

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 2021-11-28 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI CARDS CBNA  has left a Hard inquiry on my account for the past year. I have tried on multiple different occasions to contact them, they have fail to give me proper documentation of the original document where I gave them permission to pull my credit or place this on my report. Please assist me on getting this miner mark removed from my 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 explanation
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.

Company response to consumer: Closed with explanation