vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: PA

Complaint narrative:
THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, XXXX XXXX XXXX. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN TRANSUNION. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED XXXX XXXX XXXX DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.

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 2023-02-24 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: NY

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 2023-02-24 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: NY

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 2023-02-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

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

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

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 2023-02-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I keep receiving calls at XXXX to collect payment on my mortgage. My wife and I both work and have a child who sleeps very lightly and is awoken when these calls come in. We have never missed a mortgage payment past its 30 day due date but are harassed as if we are delinquents.

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 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted Alphaeon to receive a payoff on the account on XXXX and paid said amount. On XXXX, ten days later, I received a notice for more interest owed after payoff amount was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: LA

Complaint narrative:
see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/2022 I went on affirms platform and one of theyre merchants called XXXX was advertising a pair of mini XXXX XXXX XXXX said came no original box because they were from a outlet store and had red slash marks on inside boots tags for same reason well I had no idea that was a lie until I received the counterfeit XXXX  I took them to XXXX  outlet in person who confirmed they never sell theyre boots no original box or with red slashes on inside tags they also compared the boots I received to same exact ones they sell and showed me the ones I received have no serial numbers on inside tags and said all original XXXX  will have serial numbers on inside tags I tried returning these to merchant they said within fourteen days but I am perm XXXX I needed time to go to outlet store to confirm they were counterfeit I chatted with merchant explained I had confirmed them to be counterfeit and wanted loan cancelled and my payment made refunded and wanted to return them not at my shipping cost at theyre shipping cost since theyre fake they refused so I contacted affirm multiple times about this they refuse to cancel this loan also and let me return them they expect me to pay XXXX for fake boots tteyre are multiple other complaints on XXXX  from other customers who purchased boots from this merchant about them selling counterfeit XXXX  to my knowledge this is against the law I can not afford to pay fur counterfeit XXXX  if I knew they were knock offs I would certainly never made purchase and now affirm out theyre loan on my credit report telling me I still have to pay for them they and theyre merchant broke the law selling fake merchandise this is completely unfair to me as a innocent buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: PA

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 2023-02-24 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:
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 2023-02-24 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: PA

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, I paid my balance down to zero ... on XX/XX/XXXX, BankAmerica added an additional {$73.00} interest 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 monetary relief
Consumer complaint received 2023-02-24 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: PR

Complaint narrative:
I made a credit report by tranunion my name is XXXX XXXX XXXX, there another name that its not me. The name that appears is XXXX XXXX. my social security number is not the one that appears in the name of the person that have the credit cards in my report. Theres a lot of payment and creditcard order in texas. Im from XXXX XXXX i never live or travel to Texas.

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 2023-02-24 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I rec 'd a promo I would get 10 % back if I used my card for grogery, gas and resturants in XXXX XXXX and XXXX. I used my card only for tht and every month earned enough to ge the max of {$120.00} back. XXXX and XXXX I got my money promised XXXX they never gave it to me I called and called and they said it could be XXXX cycles. Weird because I got my XXXX one in XXXX same with XXXX XXXX still nothing I signed up for a new promo to get {$70.00} back spending at grogery, gas and resturants again I meet the goal to get the {$70.00} never got it in XXXX or XXXX. They are getting us to use the card to get money from the places I use it but then never give me the money I was promised! I think this compnay needs looked into for false advertising and unethical business practices. I have included the two offers I rec 'd I show my bills with no credit in XXXX, XXXX and XXXX XXXX bill just released so I could not download it. I included a screenshot showing no credit on the word doc.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2023-02-24 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
For the last year or so PayPal Credit/XXXX has been charging me interest on deferred interest charges. I pay my charges that are not interest deferred along with my interest deferred balance due on time and all together on one payment and do this online. PayPal Credit is not applying the payments correctly and they do not offer an online solution for allocating where my payment goes towards on the statement charges. I have called in several times to complain and get the interest charges off my statement but only get someone with dogs barking or kids crying in the background who have no clue how to help me. They keep telling me to call in and make my payment over the phone so it can be allocated correctly. Ive tried this several times and have no options via phone to get this done. It is a painful process and in the meantime Im paying interest charges for no reason as Im paying ahead on my deferred charges. Its a scam they are getting away with and Im furious! I feel I have no way to stop this and they continue to get money from me that is not theres to have. Please do something about this ASAP as they owe me money back from interest charges that should never have been applied.

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 2023-02-24 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I did not sign up for the " pay over time option ''. I have had the credit card for over 20 years. Always have paid the balance in full. I do not pay interest. But now they have put part of the new charges each month into a " pay over time '' scenario that ALLOWS you to pay that portion of the balance over time. I paid my XXXX balance and XXXX balance IN FULL. I did not take any TIME to pay it. Yet, I have the interest charge. For 2023, the Interest To Date is {$120.00}. I have " turned off '' the " pay over time '' feature on the account by going online and selecting it to be " off ''. Problem is, I never turned it " on ''. They did. I want my money back. I did NOT take any TIME to pay the balance, so how can there be any interest due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
A car was purchased with my name forged and social security used without my permission. My mom died and left the car debt with me, and I was not able to pay for a car I did not purchase. I explained to Exeter finance LLC that the car did not belong to me and that I did not purchase this car. The original balance on my credit report states XXXX. They repossessed the car and left a current balance of XXXX on my credit report. It is affecting my credit score and hindering me from getting approved for any other loans. This is a violation of the FCRA and is in violation of Exter finance LLC compliant reporting standards. According to the Fair credit reporting act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. I would like for this to be immediately removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have been trying to get an accurate credit score and credit report from CreditKarma for over a year. My XXXX credit report is showing it hasn't been updated since XXXX of XXXX. I have attached 4 screenshots showing that this has not been updated since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: PA

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 2023-02-24 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: PA

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