vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: NJ

Complaint narrative:
Experian purposely put inaccurate information on my report in regards to my student loans with XXXX. During the pandemic these student loans were put on paused in addition these loans are currently under the IDR program and my payments are {$0.00} dollars a month. The dispute number in regards to my complaint is # XXXX. Experian claims, that all of sudden, these student loans can not be found. Here is what is on the report, " Potentially negative/Creditor can not locate individual - never late. '' In addition this is my other issue with Experian, they will wait until my balance on my credit cards are higher than usual to report it. It does not matter how many payments I make during the month. It does not matter. Nor do they consider that people are recovering from the pandemic. For example my XXXX Credit card on their report shows a current balance of {$450.00} on XX/XX/2023, even though I made several payments between XX/XX/2023 through XX/XX/2023. They are very bias towards me and will do anything to lower my score and no matter how many times I dispute things, Experian refuses to remove these inaccurate items.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Back in XXXX I purchased a car part from XXXX for about {$130.00}. The carport stated that it was for my car but when I received it, it was completely wrong. I made attempts to contact the seller and open the claim to return. The seller denied it and close the claim without even contacting me back I tried calling XXXX and they told me I shouldve called them first to settle it, so my only option left was to call Bank of America and tell them to dispute the charge. I told them everything exactly I even provided evidence with pictures and just today I receive that I wont be getting my money back and that I am in possession of the item which is because the seller didnt discuss anything with me at all, so obviously, I am in possession of it, and that there was no form of communication between me and the seller when there is and I have evidence of it that I sent to Bank of America XXXX I feel like everything I told him was ignored, and whoever was sitting behind the desk just wanted to get my claim over with.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello I am filing a complaint because I filed a dispute with Macys over some fraudulent activity on my account- this dispute got declined - they have opened a new case to " re investigate '' but I am doing my due diligence in filing a complaint to ensure I am not responsible for charges I did not make. 

I opened a Macy 's card on XX/XX/XXXX in-store to receive a promo offer on purchases I had made. I had purchased a chain for my boyfriend, and 4 necklaces for myself and my family for XXXX ( this was the only time I had every used this card - the day I opened it ) I ordered this card to my home address - However - I never received this card that was mailed out. When I called the Macy 's CC department on XX/XX/XXXX, the initial call was to see when I could expect my credit card to arrive. I spoke to an employee who told me that there were charges of over {$1000.00} on my account. However, as stated, I never received the card that these charges were made on. 

I spoke to the employee on the phone and he informed me that my credit card, which was ordered on XX/XX/XXXX, had been sent. I had not ( nor have I ever ) received the credit card on the date of XX/XX/XXXX which was a month after ordering the initial card. This prompted me to call the fraud department. I spoke with an employee who explained they would cancel the card I was previously issued, before issuing and sending a new card. After not receiving the old card at the address I initially provided, I had a new ( different ) card shipped to my work address. I received the new card, which was ordered on XX/XX/XXXX, after the fraudulent charges were made. The fraudulent charges were made on XX/XX/XXXX and XX/XX/XXXX according to customer care reps. 
There were 2 charges made on XX/XX/XXXX - The amounts were {$70.00} - XXXX XXXXXXXX XXXX XXXX XXXX ) and {$370.00} ( sunglasses ) There was a third purchase made on XX/XX/XXXX for the amount of {$1000.00} ( mens jewelery ) The above information was provided to me by Customer care reps. 
On XX/XX/XXXX - I called and spoke to a customer care rep who also told me that the signature and the name that was given on the dates of XX/XX/XXXX and XX/XX/XXXX when the fraudulent purchases were made - were different than the signature I gave them the day I opened the card. Along with the fact that I never received this card- I am not sure why my original fraud dispute got declined. 

The dispute # is XXXX I have also filed a police report with XXXX Police Department - I can provide that information of the report # if requested ( it told me not to add any personal info in this report ) Any further information needed can be provided if you email or call me ( email is better as work keeps me rather busy ).

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 2023-04-03 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: AZ

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX  : XXXX XXXX XXXX ( XXXX 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 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 2023-04-03 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: AZ

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
Upon doing a status check, on my credit report today ( XX/XX/23 )! I was very disturb, and outraged that Equifax had ; the audacity to punish me, and down grade my XXXX Score for, no eligiment reason whatsoever! If lowering my balances are so wrong, then I don't want to be right! Doing such thing shouldn't never leads : to being corrected, chastised, punished, reprimanded, treated unfairly, and or any differently from other consumers! Mind you, the current acct, that caused those fools ; to do such thing, happens to be the same acct ( XXXX ), Equifax took all evening, updating my balance status!! I'm sick, and tired of Equifax, as well as XXXX conspiring against me : in an attempt to do the following : bring/cause much harm, and damage control to my credit report, scores, myself personally, and more certainly to my health! Why history has to keep, constantly repeating itself???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: LA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/XXXX and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have not used all the months of forbearance and chase wrongly says I have. There were 4 months where I did not request forbearance and I paid those months but they are saying it counts towards my 12 months cause the rep made a mistake. I need to use forbearance cause of my lost of income

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: OH

Complaint narrative:
I have been a victim of identity theft and sent letters along with my police report of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: OH

Complaint narrative:
I have been a victim of identity theft and sent letters along with my police report of the incident.

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 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, I've received numerous, unsolicited phone calls from Comenity Bank ( all over {$190.00} that is past due - even though I've made monthly payments recently ) I have blocked the phone numbers - after speaking with someone who was very rude... 
Please help! 
I XXXX  them! 
Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: NV

Complaint narrative:
I have sent in two rounds of my FTC report and have accounts still remain and have not been fully validated. 
Transunion

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 2023-04-03 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: SC

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-04-03 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: SC

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted Transunion by phone to see why the account is still showing a balance. I was told by the XXXX representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.

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 2023-04-03 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted XXXX by phone to see why the account is still showing a balance. I was told by the Equifax representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: KY

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XXXX  and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.

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 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Good afternoon so I bought a XXXX XXXX XXXX  in XXXX. I was doing great but in XXXX I ended up getting a divorce and situations started changing. In XXXX I had to have my transmission rebuilt because it was going out XXXX paid for it as XXXX was still under warranty. In XXXX of XXXXthe car acted up through every code so I took it to the dealer but they said since it was at XXXX miles it was out of the power train warranty. I had paid for an extended warranty but was told to agree to pay XXXX out of pocket if the extended warranty didn't cover the new engine I needed. This is my soul sorce to work ect. When I talked to usaa about XXXX  financial hardships the fact that my ride to work wasn't running they told me to catch the payment up 100 percent or it would be repossessed. At rhis point I had ended up putting an entire engine in it. It's still not working and with usaa not being understanding or helpfull the wrote off the car. Wich has put me at risk of loosing my rank my full time job and I still don't have a running vehicle. Please if you can assist I could use the help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports 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