vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Disputed with Comenity for an Ulta and Victoria Secret Credit Cards on XX/XX/23. Company received my disputes on XX/XX/23 as it shows according to the certified mail. It is now XX/XX/23 and I've yet to hear back from the company with a solution. The company agreed to remove from credit report but did not keep agreement after receiving payment. The FCRA gives the company 30 days to respond, I have not gotten a response. I've contacted the company multiple times via phone and certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is no words for the constant disrespect and lousiest customer service support I have ever had to encounter.i have called 100 times literally and treated very bad and hang up in my face by every last employee.and they do not try to resolve the issue.i can't believe this company is this pathetic and disrespectful and this is who controls the US citizen credit score is alarming I don't usually file a complaint but this company deserves way more then a complaint Experian is a low down and untrustworthy company.and they just hang up on me again while I was typing this.i need something to be done to them in a very serious manner.

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 2023-05-01 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I got a car from a dealer which the contract was fraud and I wanted to unwind and I was asked not to make the first payment by their customer representative

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 2023-05-01 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: T.S. Holdings
State: CA

Complaint narrative:
I asked for verification of debt and was sent a ledger that was not the same as my move-out statement. The ledger has various charges that are confusing to figure out because payments received were not credited or placed in the right column and subtracted from the initial balance. I am being charged for an eviction that was dismissed in court. I am being charged for late fees that can not be accessed to me because Section 8 federal housing was paying the full rent so any late fees would have to be directed to them. I am only receiving partial credit for my rent even though since XXXX acquired the property my rent has always been the same amount. They are only given my credit for {$310.00} of my security deposit but from their own records if they are correct I paid {$620.00} dollars which would more than pay the debt in question and I would be entitled to a refund which was not provided when I moved out. I am also being charged for rent after I was completely moved out. Same on the move-out ledger, payments are not placed in the payment column and are not subtracted from the outstanding balance. Which makes understanding it confusing. After my attorney reached out to section 8 he informed me to contact I.Q. Data International Inc for an updated ledger. I sent a demand letter asking for the ledger to be updated based on the information I sent them. I sent my lease, move-out statement, vacate notice, XXXX contract and payment ledger, info on five-day pay and eviction procedures according to The Housing Authority, five-day notice , and court proceeding that was not provided to Housing Authority ( section 8 ) . The demand letter and supporting documentation was received on XX/XX/2023, and picked up by an individual at the post office at XXXX XXXX  per the post office XXXX  XXXX. I have heard nothing back from XXXX or I. Q. Data Inc. I have enclosed the closing letter from the attorney that represented me in court and the demand letter they sent to section 8 asking for them to pay the late fees that XXXX on XXXX claims I owe. Section 8 provided proof to my attorney that all late charges were reversed and is shown on the ledger that was sent as verification of debt to me but it is still on my credit report. I enclosed the demand letter asking for a new ledger or for the information to be corrected from XXXX and I.Q. Data Inc, I enclosed the ledger sent to me and the move-out ledger which is not the same and does not reflect the correct charges. I am asking for a new ledger and if I owe anything for that to be reflected on the updated ledger and on my credit report. For all correspondings to be in writing. Or for this to be taken off my credit report and for them to stop trying to charge me for things I do not owe, also in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Kindly update my account accordingly.

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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied to rent an apartment and this required myself, my husband and my daughter to complete Trans Unions Rent Spree product. When I completed the information for the report our agent, XXXX XXXX, called very upset why we did not disclose that we had an eviction on our record. I too was surprised and upset. I explained it must have just been a mistake by the Credit Reporting Company, Trans Union. In XXXX we contracted with a builder/landlord to buildout a building to be used as a XXXX XXXX XXXX Boarding and Grooming facility. When the lease was presented to us on XX/XX/XXXX, the landlord added a paragraph 26. We all agreed and signed the lease that paragraph 26 holding myself and my husband XXXX responsible personally for the lease did not apply and was clearly not included in the agreement. Our business was a success for almost 15 years until Covid-19 hit and our revenue fell by over 90 % in just a few days. Although we did receive a XXXX which was paid to all our employees the landlord would not lower the rent. We at the same time retained a lawyer, XXXX XXXX who was paid to handle any problems with us selling or exiting the business. The landlord decided to file an eviction notice in XXXX of XXXX of which I sent a copy to XXXX XXXX and his staff informed me not to worry they would handle it. Unfortunately, not only did XXXX XXXX not handle anything he was a no-show at the hearing and consequently the landlord received a default judgment. Because our attorney did not show up the court was never given a copy of the signed lease. The landlord actually stated there was no lease! Any individual who has ever taken a basic business law class can tell you a XXXX XXXX contract must be in writing and at no time were we ever asked to pay any amount to the landlord for an eviction! We now can not rent a decent property for myself, my husband, my handicapped daughter and our two dogs. If Trans Union had just taken a moment to review all the facts we presented it would have been clear. They did not even take one day to respond and gave not weight to the letter provided by our current attorney, XXXX XXXX, XXXX and the copy of the lease which is black and white! Can you please help us to clear this very clearly incorrect information in the report so we can just find an apartment we can live in our retirement. Thank you very much for your help in this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-05-01 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 reporting act, XXXX XXXX has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This company has violated these terms for the following mont
hs. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: LEXISNEXIS
State: MS

Complaint narrative:
My name is XXXX XXXX and I'm file an complaint because of the fact that my rights have been violated under 15 U.S.C.1681 sec 602 a in accordance with the fair credit act. 15 U.S.C. sec 604a also states that a consumer reporting agency can not make any of the following information or adverse item of information other than records of convictions of crimes dates more than 7 years. i have informed the company of this and also the information that I have attached below as prove. It has been more than 30 days that I haven't received an apply. Also 15U.S.C. 1681-2 1 states a person shall not furnish my consumer reporting to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. I wrote the clerk of the court and the court informed me that they don't give out information to third parties. i feel my rights have been violated!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: WI

Complaint narrative:
My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-01 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: IA

Complaint narrative:
XXXX XXXX  and laws of title 15 USC-1692k section 813, 1692k ( 11 ), 15USCode-1681n-for every unauthorized inquiry on credit report! 
15 USC-1681b ( c ) ( 1 ) 12 USCode-83-banks can not lend money as defined by law they are the borrowers and they purchase securities. A deposit is banks record of it's debt owed to the public 15 USC-1635/12 CFR-1026.3 ( b ) ( 1 ) ( i ) ( a ) Bills of Exchange ACT of 1882 Federal Reserve ACT Currency ACT Birth certificate ACT Securities exchange ACT Federal Reserve ACT , section 16/credit denials are unlawful. The application is a Promissory Note Breach of contract which constitutes securities fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I wire transferred {$620.00} using my Bank of America online services to the beneficiary " recipient '' in XXXX XXXX 
The money never made it through. 
I contacted BOA " Wire room '' at XXXX more than 30 times and walked into 2 different branches seeking help in returning my funds.

many complains and management escalations had been turned in by BOA wire room representatives on my behalf to BOA. 
Unfortunately, I had been giving the song and dance about the money being stuck at their middle bank " XXXX  ''. 
Also, last month I was told that form " 202 '' needed to be completed and returned to " XXXX  '' from an account manager at BOA to complete the refund.

That simple task was not done. 
I was provided with a case # XXXX I have not been contacted by anyone from BOF except 1 missed call and a message from XXXX at the wire room stating to call the XXXX if I needed help. 
This poor communication is extremely unacceptable and consumers should not chase their financial institute regarding our hard earned money. 
Can some one please call me. I truly need 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 monetary relief
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
I have tried several times to dispute an entry for my XXXX XXXX XXXX XXXX account.. The entry on my transunion report is that there has been no payments recorded since XXXXXXXX XXXX. It also states that I am in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It says that the last payment I made on the account was in XXXX, XXXX this is simply not true. I originally contacted them about my credit card entry and Transunion removed the credit card from my report. Then I contacted them again and they said, that I had to contact the creditor to have them report it again so that it can be put back on my credit report. I did that and XXXX XXXX XXXX  stated that they would send the information to Transunion and that it would be placed back on my report reporting all information from the time of removal now that it was verified. It was placed back on my credit report but no information is being reported since XXXX XXXX. I have not been in a XXXX XXXX for over a year and I successfully was dismissed/discharged from my bankruptcy in full compliance as I completed it successfully. XXXX XXXX XXXX XXXX XXXX Account was never included in my bankruptcy. All other credit cards are being reported accurately, however, this one credit card is not. It is not reporting payment history or reflecting an appropriate balance. I have unsuccessfully gone to both Transunion and XXXX XXXX and the problem has been ongoing since XXXXXXXX XXXX. I am desperately doing everything I can to improve my credit and I just want my report to accurately and timely reflect my payments, credit history and standing with 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 non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
Transaction for {$2500.00} to XXXX made on XX/XX/23 was fraudulently withdrawn from my Debit account via an online transaction. USAA has stated that the investigation results are deemed not fraudulent on XX/XX/23 and again on XX/XX/23 based on the availability of my name and address and phone number being given and correct when the transaction was completed. XXXX has submitted a compelling evidence response that states that I willingly participated in the valid transaction. Also that I have a history of other uncontested charges using the same purchase details, which is incorrect. I submitted a copy of my XXXX account that had a different e-mail address than the fraudulently used account - the only discrepancy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have always made timely payments on this account and it is causing me great XXXX  to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that referenced my credit score obtained for a new service through SageStreamLLC. https : //www.sagestreamllc.com/ I called XXXX XXXX XXXX and SafeStreamLLC based on the letter I received in the mall on XX/XX/XXXX. XXXX XXXX XXXX could not find the order number referenced after several calls. Unfortunately, though, one of the early calls said the letter must be correct since I recently opened an internet account. I therefore, unfortunately, called them and left my personal info ( DOB, SS, address, number, DL ) through their " automated phone system '' since there is no way to speak to a person. 

SageStream ( now XXXX XXXX XXXX ) company is listed on the .gov site as an actual reporting agency and is the only reason I gave them my information - https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/sage-stream/ After several phone calls with XXXX XXXX XXXX , it was determined that they have no documentation proving the letter was sent from them. 

Upon review online, it appears this SageStream LLC is a scam even though it listed actual XXXX XXXX XXXX numbers, and I found references this scam has been ongoing for almost XXXX years. I rushed to lock all of my credit accounts and banking accounts immediately. 

The next day, on XX/XX/XXXX, I received a text from number XXXX saying, " I'm XXXX. are you the XXXX XXXX instructor that XXXX referred me to? '' I believe this to be the scammers trying to validate my personal information further. 

There are many complaints online about this type of letter and the SageStreamLLC company, and they believe that it is a scam to steal your identity. The government is supporting this scam by saying they are a legit business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
This is embarrassing not only for me but also for my family and me, and I'm so stressed out and disappointed that it's happening to me and my credit report. It is clear that either you made a mistake or that the business erred in reporting this incorrect information.

Company response to consumer: Closed with explanation