vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account 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 XXXX issued me XXXX which is taxable income but failed to update the consumer reporting agencies to remove this account because income can not be reported on a consumer report. Experian and XXXX are willfully neglectful. They understand that its against the law to report income on a credit report and they still chose to not abide by the law. Ive contacted them numerous times about this and they failed to remove the account. Per the FCRA Im entitled to a 100 % accurate report. If my report is inaccurate its {$1000.00} per violation. The proof is in the pudding and ive supplied evidence so the CFPB can take action. They are reporting inaccurate information and violating my 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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Late payment isn't late. Company made error in reporting payment late. Payment was not late. XXXX payment isn't late.

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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
Received a bill for {$210.00}. Apparently someone has purchased a bunch of perfume under my name. It was not me. I called the company and they said I need to file a fraud complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have inquiries on my report that I did not initiate.

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 2022-05-02 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: MD

Complaint narrative:
Fraudulent activity reporting misleading information. Daily reporting is extremely misleading

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 2022-05-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
Experian has an account identified as a XXXX XXXX which should be eliminated from my credit report. In XXXX I had a dispute for faulty installed equipment with XXXX XXXX provider which was taken to a hearing at the XXXX ; The matter was unresolved and I entered an appeal which was not ever responded to. While I wrote to the company and received calls multiple times this unresolved account should have been removed from my records after XXXX years. Consequently, in XXXX XXXX was bought by XXXX. They were informed by letters of the situation as well. After moving out of State in XXXX I have destroyed all the paperwork. At Experian I discovered that XXXX years after the initial dispute XXXX made a {$16.00} transaction activity on this account and registered it as a XXXX. When I filed a complaint with Experian, the representative states this can not be removed until XXXX which is totally inappropriate. XXXX 's action is devious and violates my consumer protection rights ; in Massachusetts the law protection is for XXXX years, in the country it is supposed to protect for XXXX years. This is now XXXX years I have had to debate the issues, that have been, and are still being ignored.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Fraudulent activity reporting misleading information. Daily reporting is extremely misleading

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 2022-05-02 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:
In accordance with the fair credit reporting act XXXX  Acct # XXXX XXXX XXXX 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written instruction

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # 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 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

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 2022-05-02 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I received a notification on my phone on XX/XX/XXXX about a transaction of {$630.00} from a merchant called XXXX XXXX and I reported it 9 minutes later. I also requested a new card number 30 minutes later after the transaction because I felt that the card information might be compromised. In addition, I never shared my card number with anyone in my household. I never received any product from the merchant either. Furthermore, the merchant XXXX XXXX is a local company based on XXXX, TX and I'm located in XXXX XXXX, TX and that is XXXX miles away. I contacted the merchant via phone call on XX/XX/XXXX because the website does not have an email address for support/customer service. Store representative told me that they dont have records of the purchase and he added that the store was closed from XX/XX/XXXX to XX/XX/XXXX because of the XXXX of XXXX holiday. I asked the representative for an email so I can email them and have a written confirmation ; however, he said that he can't give me his email address. That being said, I can't have an email from the merchant because he is not willing to provide me with an email or send me a letter. I also reviewed the documentation received on my mail by Apple Card/Goldman Sachs and the documentation is not legible. It looks really blurry and I can't even see exactly what it says. The little details I was able to understand is that the documentation from the merchant is actually provided by XXXX and not from XXXX XXXX. I feel like I'm stuck because Apple Card/Goldman Sachs asks for documentation but I don't have too much to provide because the merchant is not willing to help. Twice before I have spoken to supervisors with Apple Card Support. I have disputed the transaction XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with apple card/Goldman Sachs and the transaction has not been resolved in my favor. In addition, I paid all my balance except the transaction in question of {$630.00} and then cancel my credit account with Apple Card/Goldman Sachs because I'm no willing to pay a charge I didn't make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 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:
On my equifax credit file I found account from XXXX XXXX services with remaining balance of {$6700.00} and account mark as joint and never had this XXXX account and ask equifax to remove this account from my credit file they open dispute conformation # XXXX after 7 days equifax send me letter that they verified account and failed to provide prove that account belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
After filing a previous complaint regarding the lack of communication or resolution on a dispute filed with BOA, I received a call from their Regulatory Complaints department. They gave a deadline of XX/XX/22 to respond for them to investigate the original claim, but gave a phone extension that doesn't work. There is no way to reach them and they won't respond to emails or call back as requested. It appears this is intentional so that the consumer is unable to respond by the given date.

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 2022-05-02 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a XXXX XXXX CC holder since XXXX of XXXX. Spent a bunch of money and loved shopping there. I had my CC on auto-pay and never had an issue. Just paid some off every month. I assume when there is an issue with auto pay, they try and call, unless i get a new bank account or debit card, in which case i should call. I was checking my credit report in XXXX of XXXX and i saw a late payment from this card on there. I was SHOCKED. I have never missed a payment on anything at that point. So i called, paid my FULL balance as soon as i could and asked what happened. Turns out, in the month before, my account was sold to XXXX XXXX and because of that, my auto pay was turned off. I had NO idea about the transfer OR that my auto pay would be turned off. I told the lady on the phone this and she could not help me, she just told me to dispute it with Capital One. I did, i told them exactly what happened and they told me to go XXXX myself essentially. This stinks. I was looking to refinance my house and this mark, at the time, dropped my credit score XXXX points! This was not my fault. I have PLENTY of money and would NEVER miss a {$80.00} a month payment, if i had known I had to switch my card. They said they sent me a notice via USPS and I NEVER received it. This is unfair. Since then, while the account has stayed open, I am scared to use it because I do not trust this company 's practices when it comes to this situation, if it were to ever happen again. I also LOVED to shop at XXXX XXXX. Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over two weeks I contacted my credit card company HSBC to see what is my best options. And the HSBC Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your XXXX credit report regarding your HSBC BANK XXXX. My score decreased XXXX point because I contacted HSBC about the purchase I made for a service I never received and I wasnt reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account .I earn money after hard working over 1 month. I lost my whole money. I try to contact to paypal customer service many time but didn't got any response. I open my paypal account via this XXXX  id ( link with my paypal account ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Credit Technologies, Inc.
State: MD

Complaint narrative:
I have inquiries on my report that I did not initiate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MO

Complaint narrative:
I have sent several letters and they will not fix the error. They are reporting a public record ( bankruptcy ) from XXXX. However, XXXX deleted it because they could not verify the bankruptcy ( see attached deletion letter ). Please help me. They are lying to me and being deceitful. 
I have tried to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is constantly disregarding my disputes they are only disputing two account at one time when I have sent them several accounts to dispute. Inaddiition it is taking them well more than 30 days to give me an update... .they are failing to investigate my inaccuracies. Certified letter XXXX this was mail off on the XX/XX/22 they have received it on the XXXX but I spoke with a rep they said they received it on the XXXX of XXXX and its only XXXX accounts disputed I am disputing well over XXXX accounts I sent them a XXXX page documents which they threw away.. I also have pictures of the information I put in the folder. This is not right that they are taking me as a joke... .and not complying.

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 2022-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: American Student Assistance
State: CT

Complaint narrative:
My name is XXXX XXXX. 
A student debt loan obtained to pay for my son 's studies was sent to collection at the XXXX XXXX for a balance of XXXX. Dollars. 

On XX/XX/2022 XXXX XXXX cashed XXXX checks totaling over XXXX Dollars that included the balance due and the extra money. When I attempted to get my money back, the figure they initially quoted me was inaccurate. They had forgotten {$10000.00}, a mistake I hope. When I insisted, they assured me that I would receive a check within 60 days ( of what, I don't know ). 

Several questions came to me after this experience, particularly after I spoke with an XXXX XXXX representative who indicated that his " finance department '' was now " examining '' my case : was the balance due accurate? Do they have the right to keep my money, and haggle about it? what are my 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 2022-05-02 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: PA

Complaint narrative:
I am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation