vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX II. ) XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I made a purchase on XX/XX/22 for clothing for a total of XXXX and used PayPal to make the purchase. I was suppose to have received the package on XX/XX/22 through the XXXX who confirmed delivery on that date. I have never received the package and did file a police report for larceny, as I was out of town that day and my only conclusion is the package was taken. I have disputed the charge three different times on XX/XX/22, XX/XX/22, and XX/XX/22 with Synchrony Credit as I have not received the package, therefore I do not understand why I am being charged. I did reach out to the XXXX and there were many interesting facts associated with the delivery of the package that also raised a concern. For instance the package weight was XXXX ounces which is not possible for XXXX worth of clothing and the size of the package fit in XXXX personnel 's hand, which also seemed interesting and impossible. The merchandise I ordered was from XXXX XXXX and the return address on the package, in a photo that XXXX provided, was from a company XXXX XXXX XXXX XXXX in XXXX, NJ, whom I have never heard of and when I went to their website there is nothing I purchased available on their website. I have tried to explain all of this to Synchrony Credit and they continue to charge me for the XXXX worth of merchandise that I have never received. Furthermore, when I did contact the XXXX, they mentioned they recommend a signature upon delivery for any package over {$500.00}, which is a good idea to avoid this kind of incidence. I appreciate your help in this matter. I am requesting Synchrony Credit take the XXXX charge off my account for merchandise that was not received. Please note I have reached out to PayPal Synchrony Credit via phone multiple times to resolve this matter as well as XXXX XXXX and XXXX by email with no resolution.

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 2022-12-25 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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.

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 2022-12-25 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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.

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 2022-12-25 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT

Complaint narrative:
well first I have been doing ok until this year my property taxes have went through threw the roof! and then i find out I am paying a {$30.00} dollar insurance pol on my escrow which i wasn't suppose to have it was just added! and my rate adjusted but now this has push my payment from XXXX to almost XXXX! a month!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I signed up for a XXXX Amex Card over the phone. The representative verbally offered me XXXX sign up bonus. I agreed, and proceeded with the application on XX/XX/XXXX. I received an email in order to continue with the application. This email also stated the terms and condition which mentions the XXXX sign up bonus points. After spending the minimum spend to receive the XXXX bonus points, I noticed I only received XXXX bonus points. I contacted American Express on XX/XX/XXXX, and an investigation was submitted. After contacting American Express every 2 weeks to get an update, on XX/XX/XXXX, I got in contact with a representative who told me the investigation was closed and that American Express decided the XXXX offer was valid. However, I was instructed to call to speak with someone who could help me if I was not happy with the decision. I spoke to a representative named XXXX ( I believe ), and she told me I could upload supporting documents to support my case. I uploaded a screenshot of the email with the terms and conditions stating the XXXX sign up bonus. I contacted the customer service again on XX/XX/XXXX to see if anything had changed or been updated. I learned that the supporting documents were not taken into account. They essentially didnt matter because they closed their investigation in XXXX. However, I am utterly confused as I was verbally offered XXXX and have an email to support the verbal offer. I feel that American Express has used deceptive tactics to get customers to sign up for credit cards. The XXXX bonus is typically the standard offer. I would have waited knowing they tend to have promotional offers such as the XXXX. This is completely unfair for them to offer me XXXX but then only give me XXXX. I cant do anything at all at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 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: MI

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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX 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 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 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERCIA CREDIT CARD FRAUD ON XXXX REFUSES TO CREDIT MY CLAIM FOR {$22.00}, ON XXXX, AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FRAUD REPRESENTAIVE SAID " THATS IT. OTHER FRAUD WAS REPORTED FOR RESTRAUANT SERVERS AND CREDITED MY ACCONUT. XXXX OF THESE SERVERS USE MY CREDIT CARD INFORMATION. 

XXXX. CREDIT CARD FRAUD REPRESENITIVE STATED THE FIRST TIME THAT THEY DIDN'T FLAG IT OR DID THEY THE SECOND TIME FOR 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 monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX to purchase XXXX XXXX XXXX XXXX # XXXX, at the price of {$31000.00}. I wish to cancel that contract because fraud was committed once I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Also, the dealership did not disclose that I had the right to rescind the credit consumer transaction. 
I hereby exercise my right to rescind the agreement under the provisions of the 15 U.S. Code 1635 ( b ) : and 15 U.S.C 1605 ( a ) upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 U.S.C 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, and ask that you return my deposit/down payment of {$1000.00} within 14 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: TN

Complaint narrative:
XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your Paramount Loan is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 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: TN

Complaint narrative:
XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: TN

Complaint narrative:
XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: WY

Complaint narrative:
My monthly payment with Sallie Mae has risen to an unmanageable amount and they did not put any effort toward working with me to lower the payment. The absolute most I can afford to pay them per month is {$300.00} ; the current balance due for XXXX is {$410.00}. 
I contacted Sallie Mae 's Office of the Customer Advocate in late XXXX. I'd read online that people have had success in the past getting their payments lowered this way. I offered to either pay at most $ XXXX or default. It didn't work. The individual I spoke to told me to pay what I could in XXXX then wait for their collections department to contact me. I had planned to do that, however, I had a surprise vet bill this month and I chose to save my cat 's life instead of paying Sallie Mae. 
I have no faith that Sallie Mae 's collections department will help me. I absolutely can not afford to pay them $ XXXX. I only owe {$23000.00} altogether, but even at $ XXXX my loans are not due to be paid off until XXXX because the interest rates on my three loans are 11.375 %, 12.5 %, and 13.5 %. 
I've never once missed a payment with them. I've been at most four or five days late. 
I am almost XXXX  years old and a XXXX XXXX XXXX XXXX XXXX XXXX  and I have to borrow money from my mother in order to buy groceries. I can not afford car repairs. I eat ramen and broccoli. I do not and can not spend my money on unnecessary things. One of the cosigners on my loans is my grandmother, who is XXXX years old and struggling to heat her house. The other cosigner is my mother, who works XXXX XXXX  and tries help me, but she can't really afford it. I don't know what else to do. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: FL

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 Account XXXX... 
XXXX XXXX XXXX Account XXXX. 
XXXX XXXX XXXX XXXX- Account number- XXXX .... 
XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX ALL LISTED COLLECTIONS HAVE 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 may make any consumer report containing any of the following Items of Information Another 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.

[ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) XXXX DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO EQUIFAX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT.

[ 15 U.S.C. 1681 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Georgia Student Finance Authority
State: AL

Complaint narrative:
Georgia student finance lists on my credit score as an account in bad standing or " negative pay status. '' However, I have never taken a student loan. I have either had a scholarship, or I've paid out of pocket. This is negatively affecting my credit score, and it doesn't even show as having a balance due or any balance ever being on there, so it is negatively affecting my credit score with a balance of zero. I've worked hard to being up my score in the last couple of years, and this is just ridiculous... especially since I worked so hard to make sure I never had to take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: OH

Complaint narrative:
To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.

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 2022-12-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hi the problem Im having is when I apply for credit I get denied stating I have severe delinquent accounts. On my actual credit report it shows no delinquent accounts. This is causing me to be denied the opportunity for credit.

Company response to consumer: Closed with explanation