vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I already submitted a dispute with your office with Experian and they responded and I have attached their email they sent, clearly it must have been a automated reply because, again I pay a fee every single month to access my Experian credit report, paying for my report I should see everything that Experian reports and provides to lenders, HOWEVER as you can see by the denial letters from lenders, lenders are claiming I have negative accounts on my experian credit report, I have attached my paid for Experian credit report dated today XX/XX/2022 as you will see there are XXXX NEGATIVE accounts, XXXX bankruptcy accounts on my credit report, BUT there sure seems to be on the reports they are providing to lenders because I am being denied credit for those reasons, I mean its clear as day in denials from lenders that my credit report I get and pay for is NOT the same credit report being provided by Experian to lenders, thats 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 2022-10-19 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: IL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT ON XX/XX/2022, ACCOUNT NUMBER XXXX HAS A BALANCE OF {$34.00} WHEN IT SHOULD SHOW A {$0.00} BALANCE. I TALKED TO SOME XXXX AT EQUIFAX OVER THE PHONE BUT IT NEVER GOT RESOLVED. SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks

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 2022-10-19 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: MI

Complaint narrative:
the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating one of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " TransUnion, XXXX, XXXX may have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.

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 2022-10-19 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: DE

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 confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-19 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: DE

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 confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I submitted a CFPB complaint ( XXXX ) accompanied with my FTC report as well as an affidavit, copies of my identification notifying you ( Experian ) of inaccurate bankruptcy filings being reported on my consumer credit report as a result of identity theft not related to any transaction of my own. On XX/XX/2022 you responded to my filing stating that you are in the process of contacting data furnishers to verify accuracy of information. This is a direct and blatant violation of 15 U.S.C 1681c-2 which clearly states : " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ''

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a credit card with Children 's Place store chain, via Comenity Capital Bank. I was solicited in the store to save a significant amount off of purchases and earn rewards in purchases in their stores for my children. I have always kept my account in good standing and paid any charges off within the same month I made them. 

in XX/XX/2022, I paid off my last balance with them and had not made any new purchases. Suddenly in XXXX I saw that they had reported my account as being paid late so I logged in to check why. They have been charging me a " Minimum Interest '' of {$2.00} a month but I have a XXXX balance. They can not charge me interest when I do not owe anything. I had not made any purchases. 

I paid the fees once in XXXX because I didn't want to continue to be reported as paying late and I reached out to them via the account messenger. I asked for them to correct this issue and to close my account. I never got an answer back and today I see that they are doing it again, charging me minimum interest fees and late fees when I have not made any purchases. 

today I was able to get someone on the phone, from a overseas call center, who was able to close my account with them. Several attempts to contact them have gone unanswered. This is after they've gotten money from me wrongly from these fraudulent charges and not refunding me. I am filing a complaint because this is a fraudulent money grab on their part and while I'm sure many like me are catching it after paying small amounts, with thousands of customers, this adds up for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Call last month XX/XX/2022 to make payment, but it was late at night and I needed a few more dollars to make payment, the agent for XXXX realizing it was late at night agreed that if I paid by the XXXX I would not be charged a late charge, which I did and I still am being charged a late charge. I asked for them to listen to the call from that night and they that what I was saying is correct. They promised to do so and get back to me, but couldn't give when it would be, in the meantime I would have to pay the over charges and if I'm right I would be refunded the over charges, that's not good enough, I should be compensated for all I've gone through. I went by what I was told. I also asked for a copy of the phone call I made on XX/XX/2022. How do I file a complaint, can I begin a case for damages with you. I hope this complete if not contact me at XXXX or at XXXX. 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 monetary relief
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks

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 2022-10-20 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: NY

Complaint narrative:
my XXXX XXXX XXXX  says last report dates was on XX/XX/2021 but my statuss dates says 30 days last when account was paid in full on that day.

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 2022-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I've consolidated my Navient owned loans with XXXX XXXX. The process was deemed completed on XX/XX/XXXX. Navient says that I have a payment due on XX/XX/XXXX and each representative has given me conflicting information. The first said there was no record of a consolidation the second said there was record transfer information on XX/XX/XXXX, but that I still had to make payments to Navient or my account would be delinquent. There was a lot of conflicting information from each person I spoke with and I had to call back several times because I was disconnected. There are now two loan balances from both XXXX XXXX and Navient in different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I called and canceled service from XXXX XXXX back XXXX XX/XX/2022. I called the company they came and picked up the box, I told them I switched over to XXXX, a better product, a better offer, and my internet would freeze and stop working, they refused to come out and check the lines. Once I switched over I never used the spectrum services and they still charged me, when I called back they said they would recalculate my bill and send it. they never sent a bill so I assume it was credited and taken care of. I was never contacted by this company Sunrise Credit Services they just posted this to my credit reporting agencies. I was never late with my XXXX bill so because I switched providers I feel they retaliated and just ignored my rights to cancel my service and go to another company. this collection needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file .the items I need deleted are listed in the report. 
I am a victim, of identity theft and did not make the charge .I ask that the items be deleted to correct report. 
I recently got my credit and found information on my credit that don't belong me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have contacted politicians about this issue. No one wants to touch it because the national association XXXX XXXX is a big pac. 
I would like appraisers not to include real estate commissions and bank fees when they use sales comparables for determining the value of a house for sale that is then used for underwriting. Sales commissions and loan fees add XXXX value to a home. They are not a new roof for new sewer line, yet routinely 6 % of the amount shown as what a property sold for recently is included in the " value '' of a house. The appraisers are supposed to be independent of agents and mortgage brokers, but they often are members of XXXX. XXXX has a conflicting interest to keep their commissions included in the value of homes sold because it means real estate prices are driven up in those locales by six percent, more money for them. Since people buy and sell houses after only a few years, the appraised values of homes are being inflated by 12+ percent above market forces. I personally consider this price fixing. The Real estate roundtable lobbies for this issue to the extreme detriment of consumers. This issue is making the housing crisis worse. It may not seem like a lot but a house overvalued by 6 percent is {$30000.00} on a typical {$500000.00} home. That money should not be part of the appraised value. I'm home shopping and disgusted by this practice. It's industry standard so my complaint is against all appraisers, all mortgage lenders, and all real estate agents.

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 2022-10-19 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: CA

Complaint narrative:
I would like the file a complaint on XXXX XXXX XXXX  because I didnt authorize this credit card on my account and they already used {$580.00} dollars.

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 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX and Account name : 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX  acct # XXXX, acct # 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. I did not give them written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX  acct # XXXX, acct # 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. I did not give them 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