vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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: UPGRADE, INC.
State: FL

Complaint narrative:
The Upgrade Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Sent XXXX XXXXXXXX XXXX, Transunion, XXXX and XXXX a letter to have my account checked for audit and accuracy. XXXX XXXXXXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Sent XXXX XXXX  XXXX, XXXX, XXXX and Equifax a letter to have my account checked for audit and accuracy. XXXX  XXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Sent XXXX XXXXXXXX XXXX, XXXX, Experian and XXXX a letter to have my account checked for audit and accuracy. XXXX  XXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1

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 2022-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
In XX/XX/2022 I received a notification that I had a new collections account from I.C. Systems Inc in the amount of {$98.00}. I have never received any communication from this debt collector prior to the information being placed on my credit report. The debt collector is unable to provide me with the original creditor. I do not have any knowledge of any accounts in the amount of {$98.00}.

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 2022-10-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022, a charge was made for {$2600.00}. I never received the product and I called the company to file a complaint. The representative told me that they will credit my account. Then I received my credit card statement from XX/XX/XXXX to XX/XX/2022, and the charge was on the statement. I called the company back and they told me that I must go to the police station to file a complaint. I did not file a complaint with the police because I didn't know what to file. Now my credit score has been adversely impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I called customer service on XX/XX/XXXX to confirm that I am done everything to be eligible for the {$500.00} bonus promotion that the bank is running. The person I spoke to said that the $ XXXX XXXX transfer on the XXXX of XXXX was from another ally account and did not count. That money came from XXXX XXXX, so that person did not know what they were talking about. I want to know if I have done everything required other than keeping the money in Ally until XX/XX/XXXX to be eligible.

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
When I filed a dispute with Navient, they sent me a letter back on XX/XX/2021 stating that they needed additional information from me to verify my loan with them. The loans are closed and should not be on my credit report at all. I included the amounts in the dispute letter to them and my information and it is still on my credit report. They stated that my letter was considered frivolous and irrelevant under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: FL

Complaint narrative:
The XXXX  Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.

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 2022-10-29 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: FL

Complaint narrative:
The XXXX Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: FL

Complaint narrative:
The XXXX Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.

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 2022-10-29 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: MI

Complaint narrative:
I have over 90 unknown/fraudulent inquiries on my Equifax credit report. I recently read an article that mentioned how Equifax failed to provide accurate scores for consumers. After careful review of my report, I notice DOZENS of inquiries that I never even authorized. Any recommendations would be greatly appreciated. My credit score has already caused me a great deal of financial loss. Monetary compensation has not been offered, so I am simply requesting a clean report as a result of the multiple violations that will go unpunished. Delete all information shared on my report. This ordeal has almost ruined my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: WI

Complaint narrative:
On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the loan.

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 2022-10-29 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: WI

Complaint narrative:
On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the loan.

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 2022-10-29 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I signed up for a new credit card with Chase and they applied a different promotion to my card that wasnt advertised. I have talked to a supervisor and was told they put in a request to have it changed. The supervisor told me they had three promotions at the time I applied. However their personal Chase mobile app only had one showing. The one that I expected to get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Current address is showing with a unit number but this address does not have a unit number. Disputed address with XXXX  and TransUnion and update did not remove unit number. 
XXXX XXXX XXXX XXXX ( NO UNIT NUMBER BUT XXXX IS LISTED AS UNIT NUMBER ) Please remove unit number from this address

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 2022-10-29 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: TN

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, Account # unknown has violated my rights XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 2022-10-29 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$810.00}

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Current address is showing with a unit number but this address does not have a unit number. Disputed address with experian and XXXX and update did not remove unit number. 
XXXX XXXX XXXX XXXX  ( NO UNIT NUMBER BUT XXXX IS LISTED AS UNIT NUMBER ) Please remove unit number from this address

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 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My partner and I are joint account owners on account ( I am fully aware that means XX/XX/XXXX ). 
ON XX/XX/XXXX ( Friday ) he was arrested for XXXX XXXX  my XXXX XXXX XXXX after her disclosure with full admission on his behalf. By Monday, his sister had gained XXXX XXXX XXXX and removed all the money from my account. When asking for the POA, I was not allowed to see it ( although they did not open until Monday and the money was removed Monday, also.. they acted surprised after the heard what happened as if they were lied to completely ). They told me they would look into it, because the manager was not aware of a POA taking the money out if there was a joint account owner that was not an elderly on the account. They refused to print the policy for me. 

After gaining the POA, I have a hard time believing it was ever verified ( discrepancies in signature and wishes ... and " he '' signed for " saving his eggs in case of an emergency '' among other odd requests ). 

After this, I asked to close the account that is now at a {$0.00} balance, and they said they could not without his signature and could not do it through the POAs signature? I could not be removed without his signature ( although I am not allowed to have contact with him and he is XXXX XXXX XXXX  ). I then tried to keep the balance up and close all the automatic drafts coming out and then asked to turn off automatic drafts- after catching it up.. they continued to allow it to be overdrafted with his credit card and other automatic payments that I had no control over. Now they are sending me a default paper and refuse to correct any of it. 
I feel I did everything I could from the beginning. I took ownership of the joint account even though I still don't believe it is ethical even if it is legal but after all of that, I do not see how I could possibly still be responsible or how a judge would see it that way if I were to take it further. I need to know the next steps to take. 
Thank you.

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 2022-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I have contacted Caine & Weiner regarding this debt but I have been unsuccessful. They are unable to provide me with any information regarding where the original debt came from. The amount of the debt shows on my credit report is {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
According to the Fair Credit Billing Act, the credit card company has 90 days to investigate and properly communicate to me the results of my dispute. The credit card company failed to acknowledge my dispute complaint when I initiated it back in XX/XX/2022 and subsequently they never mailed me documents following up about the dispute and instead they closed it themselves without any explanation to me and they did this after the 90 day period in late XX/XX/2022 well past the 90 days. The reason for the dispute is that I was promised a credit refund on this card from Lowes that I never received from the store. I had written communication from the management that promised me such a credit refund. Despite me explaining to the credit card company the circumstances, they still decided to improperly file the dispute as me not receiving the products or service when I never made such a claim to them. This mistake further delayed the dispute process. 

I have reasonably doubt that the dispute was not done in good faith because even when I sent in copies of my communication with the store, the credit card company did not follow up to ask questions surrounding the circumstance and did not communicate at all with any updates. After Lowes closed the investigation and I had no other recourse, I finally was able to meet with the manager at Lowes who confirmed the credit due to me and issued the appropriate refund. 

However, during the investigation, I was not able to reach Lowes and the credit card company was not taking my complaint at all serious by first not even listening to what I had to say and filing it. After the credit card company denied my dispute some months after, Lowes did issue the appropriate refund. However, I still think that the Lowes credit card should pay me the sum of the dispute amount as penalty as penalty for not properly adhering to the FCBA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a Lowes 4 Pros account. If you need any additional information, please contact me at 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