vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased jewelry from Macys and paid with a Macys American Express store card as it shows on my statement closing dated XX/XX/XXXX which statement is 12 months after the original purchase. The purchase offered a 12 month deferred interest period which fee would have been {$400.00} if not paid within 12 months. 

I returned the purchased jewlery on XX/XX/XXXX as shown on my statement closing dated XX/XX/XXXX ( aprox a month after the original purchase ). 

Once the deferred interest period ended ( again on XX/XX/XXXX ) I got charged that deferred interest in my total balance. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which each time the representatives acknowledged that I was correct after they kept me on the phone for a long period of time each call. Every time I called, they stated that the balance would get adjusted on the next billing cycle and as of XX/XX/XXXX it has not. They promise a call back to confirm once it has been adjusted but no call back. I have requested a confirmation email but they stated that their system does not allow. 

In essence, I purchased jewelry and returned it 10 days later and I got charged defered interest a year after because their system did not adjust correctly and they have been charging me interest on the {$400.00} every month. 

I have attached the statements accordingly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Agency , the companies listed above has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX -XXXX {$4600.00} XXXX XXXX - XXXX  {$1000.00} XXXX XXXX - {$29000.00} XXXX XXXX - XXXX {$240.00} In accordance with the Fair Credit Reporting Agency , the companies listed above has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
The only date I have is from Source Receivable MNG, XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX, XXXX. Dated XXXX. I have lived at my present location for almost two years. They are saying I owe XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX : XXXX {$150.00}. 
I have no knowledge of this debt. I have nothing in writing. When I asked the collection agency for proof, they said I had to write them a letter requesting information. I find this hard to believe as if they had proof they would send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I received notification a few years that I had a bankruptcy on my credit report. I reached out the bankruptcy court in XXXX, WI to ask did they report to the Credit Bureau 's in which they replied NO. I have attempted to dispute this Bankruptcy but it remains on my credit report with this inaccurate information which has not been verified through the " Source which is the US Bankruptcy Court of Wisconsin '' because they DO NOT REPORT NOR VERIFY!

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
FCRA 605B seems to mandate the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates reported.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For the last XXXX  years I have been fighting with EXPERIAN to correct their mistakes in hope to find some form of justice from their direct discrimination towards me and my reputation. I have submitted several complaints on XX/XX/XXXX and XX/XX/XXXX and now on XX/XX/XXXX. I was hoping that these complaints would be received and the problem corrected but EXPERIAN continues to damage my reputation by these inaccurate reports. I will reiterate yet again that is it EXPERIAN 's duty pursuant to the FCRA to report CORRECT and ACCURATE information on my credit report and file. EXPERIAN is reporting now XXXX inaccurate late payments for the XXXX account ending in XXXX. There are now XXXX additional new late payments posted on my credit report with XXXX negative months listed on my EXPERIAN report. This includes a XXXX  day late payment posted on XXXX XXXX XXXX  day late payment on XXXX XXXX XXXX day in XXXX XXXX, XXXX  day in XXXX XXXX XXXX day in XXXX XXXX XXXX  day in XXXX XXXX XXXX day in XXXX XXXX XXXX  day in XX/XX/XXXX, and a XXXX  day in XXXX XXXX. This whole account was reported as fraudulent and a result of identity theft and the account was marked as CHARGE OFF by XXXX XXXX and closed. I had to go through lengths to get XXXX XXXX to correct their mistake and they had the nerve to reinsert the account under a different number from the original XXXX to a new XXXX ending in XXXX. 
Furthermore, there are several months showing on my report with " CO '', or charge off, in between the months that were reported with late payments. None of this makes sense nor has EXPERIAN acted in good faith in the matter. As previously reported, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thereby violating my rights pursuant to 15 USC 1681b ( a ) ( 2 ). I have made my case abundantly clear nad have laid out hard facts to support my case. This is injustice and I will not stand for it any longer. EXPERIAN will take off all late payments and never have it reported on my consumer report again.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A Charge off is considered a certificate of indebtedness. please remove from my credit report. This information is being reported inaccurately. I understand I have rights under The FCRA that states any account reporting incorrectly will allow me to seek compensation for Each violation. I understand that is also illegal to report transaction history. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Agency , the companies listed above has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, I've noticed additional incorrect information on my account such as unknowledgeable addresses listed on my file as well as place of occupation. I am a victim of identity theft, and I would like this information removed and updated with the correct personal information about myself. Please advise. Thank you in advance.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi, I've noticed additional incorrect information on my account such as unknowledgeable addresses listed on my file as well as place of occupation. I am a victim of identity theft, and I would like this information removed and updated with the correct personal information about myself. Please advise. Thank you in advance.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I found a fraudulent account collections on my credit report that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was scammed with a fake platform with XXXX. This is my first time submitting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I had to federal refund deposited into this account. The IRS stated that my funds were sent on XX/XX/XXXX, and I have yet to see my XXXX dollars. I continue to get the run around and blame placed elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove these false and illegal accounts found on my credit report that do not belong to me. i need this serious error corrected and these accounts removed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2024, I disputed an account with EXPERIAN regarding XXXXXXXX XXXX XXXX  and the account came back inaccurate and incomplete, on XX/XX/2024, I disputed the account demanding its removal, and again a reinvestigation took place, and it came back incomplete and inaccurate. On XX/XX/2024, I further demanded the removal of the account, a reinvestigation took place, and it returned to me inaccurate and incomplete. Each time I have disputed these accounts, The account comes back the same, and the account is reinvestigated and updated within a very short period of time. Honestly, I don't believe EXPERIAN is conducting real investigations regarding this account. It continues to come back verified or updated as it remains incomplete and inaccurate. As of XX/XX/2024, this makes the XXXX time I have disputed this account. EXPERIAN is in violation of the Fair Credit Reporting Act 15 USC 1681e ( b ). For each dispute I have provided great detail as to what is wrong with the account, yet they continue to verify as updated or accurate and they have been verifying missing payments I have made that have been notated as " No Data '', and late payments where there is a random 90 late payment being reported. How can a person start off 90 days late?? Late payments progress every 30 days start at a 30-day late payment. This company has been verifying false and incomplete information repeatedly over the course of 5 months and have not removed the account as demanded based on their failure to report accurate information. They keep adjusting things on the account rather than fix the issue. They are stalling, ruining my credit report, damaging my reputation, and adversely affecting my livelihood. The have been in violation of the Fair Credit Reporting Act for more the 4 months and I do not have the money to sue them right now. This account needs to be deleted immediately!

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 2024-04-24 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2024 Experian notified me via email that my dispute was completed and the companys response was verified and validated. I asked for the items used to validate date and they told me that they do not have to provide proof regardless of the rules of the FCRA. And if the company says its mines then its mine. I believe the company never verified or validated this debt as they just updated.

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 2024-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to express my concerns regarding the recent transfer of my student loan from Great Lakes to Nelnet and the subsequent impact it has had on my credit score. 

Upon the transfer of my student loan to Nelnet, I noticed that my debts were divided into increments, resulting in each increment being reported as new debt on my credit report. This division and reporting of my debt as new have had a detrimental effect on my credit score, which is highly concerning to me. 

I find the transition to Nelnet to be confusing and the handling of my account to be less transparent than with Great Lakes. Additionally, I am deeply troubled by the potential illegality of transferring the debt in a manner that negatively impacts my credit score without clear notification or explanation. 

I kindly request that you take immediate action to rectify this situation. Specifically, I ask that you contact the three credit bureausXXXX, XXXX, and XXXXand request that they remove the reported new debt increments resulting from the transfer of my student loan to Nelnet. 

Furthermore, I urge you to review your procedures for transferring student loan servicing to ensure that such transfers are conducted in a manner that does not unfairly penalize borrowers or adversely affect their creditworthiness. 

Please provide me with written confirmation once the necessary steps have been taken to address this issue. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with non-monetary relief