vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
Victim requested Compensation for Payments from Damages incurred by Identity Theft. Trafficker has failed to Comply with Victims Request for Equitable Relief as Required by Applicable Law. 
Victim contends that XXXX  Actions are an attempt to subrogate the rights of Victim.XXXX Bank and XXXX Complaint Pigeon Drop Complaint and Breach of Contract Does credit utilization get reported? No. Your XXXX XXXX is a secured XXXX credit card, so we dont report a credit limit which means that theres no credit utilization attached to your account. Each time you deposit money into your XXXX account, you are setting your own limit on how much you can spend that is independent of a credit limit. We've built the XXXX XXXX this way to help you build a positive credit history. 

AVAILABLE BALANCE {$3600.00} CREDIT LIMIT {$3600.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Victim asserts that upon given an opportunity to cure, XXXX have failed to comply with Victims Assertions. 
Victim contends that Account is in Good Standing and XXXX blocked a Remittance on XX/XX/2023. 
Victim contends the XXXX did not fully Disclose and made material false representations in order to Manipulate Securities in the Name of Victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TX

Complaint narrative:
Errors in Experian data are making it impossible to verify my identity online, on the myeverify portal, part of dhs uscis. myeverify can't tell me what data is mismatched. Experian can tell me, but won't. most of the challenge questions on myeverify do not pertain to data that is on my credit report, and experian does not give me access to that data.

one thing that may be causing a problem is my birthdate, wh
ich experian has as the year only, no day, no month. experian has said twice that it was fixed, but it was not.

one of the experian customer service people hinted that other errors may originate in closed credit accounts. experian has correct data that says the accounts were closed years ago, but they treat them as if they are open for credit report purposes. The problem is that some of those accounts have really really old addresses and phone numbers for me. some of those accounts have been bought and sold to various banks. Experian wants me to contact the closed accounts and have them send updated data to experian. I don't know who even to call about those, and i doubt they would update my address and phone on a closed account anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berman & Rabin, P.A.
State: CA

Complaint narrative:
I am receiving letters advising I owe this debt. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I finance my car through Credit Acceptance Corporation. Over the past couple of years, this company has REPEATEDLY reported me for nonpayment & late payments and not only did this company make reports of missed/late payments, they made the same report for each multiple times! I have been disputing false reporting by this company to all credit bureaus, however, they still remain. For the times in which I have been late/delinquent in making payments, I was informed that due to the pandemic, this would not be reported. At a time in which every day, hardworking individuals, such as myself, were living through economic turmoil, this gesture was astonishingly symbolic! I felt confident in knowing I was doing business with a company that genuinely cared for their customers. Only later, upon further investigation, would I come to see that they had been deceitful. Not only were the payment/nonpayments reported, theyd been reporting each one repeatedly in the same timeframe. I cant begin to state the imperative, negative impact my credit score and history now has as a result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: LEXISNEXIS
State: CA

Complaint narrative:
Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Per the attached I was charged {$150.00} sales tax, per the attached the State of Florida has a one year tax free holiday on appliance purchases. Merchant is aware of this. Merchant has NOT provided the appropriate credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
I contacted Specialized Loan Servicing in writing requesting my Private Mortgage Insurance be cancelled on XX/XX/XXXX. I didnt receive a response so I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told on all occasions I was sent a form that I needed to complete. I advised I never received a form and each time requested they mail it out again. Over a year later I still have not received any documentation regarding my request. I asked for it to be faxed or emailed and was told thats not 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 2023-04-26 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: NC

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 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 XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: NC

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-04-26 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
td auto finance has violated my rights. TD auto finance has lied to myself and the cfpb about receiving a credit application from XXXX XXXX in XXXX XXXX XXXX I now have evidence from the dealership in question and other banks stating that they can not provide a copy of the credit application. now I have evidence of td auto finance in letterhead lying. if the cfpb allows this company to lie again, I will go the attorney generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have reported this before they said they will be taking off my credit they took it off my XXXX but they didnt take it off my XXXX XXXX XX/XX/2022 from XXXX because I never applied to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday XX/XX/23, I realized all my three ( 3 ) chase bank credits cards that I have/had for the past nine ( 9 ) years keep declining anytime I make a purchase or payment. I checked my chase bank mobile app only to realize all my credit cards is closed if no notification, email or information. I called chase bank customer support and I was transferred to six ( 6 ) different departments or people only to be told by all of them that they dont know why or have no answer for me. 

Tuesday XX/XX/23, I waked up and realized my chase bank accounts ( checking and savings ) is closed too. I again called chase bank customer support all day with no one able to tell me the reason or why all my accounts and credit cards is closed. I finally got to someone who told me that chase bank has decided to end the banking relationship with me and he cant tell me why but I have to wait for 7-10 business days for letter from chase bank then after someone will call me and later send me check of whatever money I have in my accounts. 

Just like that with no reason or explanation to they take my financial life away without thinking of how I feed my family, how I will pay my bills. How do I survive till the 10 days I receive a letter with no explanation or reason.. I havent committed any fraudulent activity or fraud, just like that J.P. Morgan chase bank just shut my life off with less than 5 days to the end of month. 

I have never in life felt so helpless, I dont even know what to do, who to talk to.. Im never late on any payment on all my credit cards, I never been in anything relating to fraud.. They just dont care!! All they tell you is wait for 10 business days for a letter.. like how?.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: MN

Complaint narrative:
Equifax has continually violated my rights under the fair credit act- has not responded to any of my concerns and issues that involves my credit profile. I sent certified usp mail. And have not received in response over 60 days. Attached to this complaint will be my issues that need resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for this CC for my partner business purposes but I am having an issue w chase declining transaction because is unusual. She traveling as a XXXX consultant to all over the US uses the same rental company and most times the same hotel. We were having these transactions declined which then she would call and I get on a call with their customer center. I have explained time and time again that this a travel g credit card which charges an annual fee, declines stopped for 3 months but now we are back to same. Every time they do I literally spend XXXX minimum minus to try getting thru someone and explain this all over. This has been scaled this last time to XXXX an accountant Supervisor that basically told there is nothing chase can do. Every time I get the annual fees, or transaction fees or interest I dont get a text asking me to decline or complain so I have asked for them to credit one of their annual fee since I have spent considerably time explaining this over and over. After every declined I then have to reach back to the vendor and explained and have them rerun transactions which I invest more time. My partner was once a stuck in a small city in the middle of nowhere waiting for rental car to allow her to take rental cause Chase had declined transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
At first, I had a payment to make but was unaware that credit cards were not an acceptable payment method. I notified the credit card company about the issue, and they promised to send a letter regarding the matter. However, I did not receive any correspondence, so I contacted them again. This led to a second investigation, which took two months to resolve. During this time, late fees and interest were added to the balance owed. Eventually, I paid the full amount, which was initially $ XXXX, but due to the additional charges, it amounted to $ XXXX by the due date of XX/XX/2023. After paying the balance on XX/XX/2023, I requested that they close my account, which they did successfully. However, I was surprised to receive bills again, including interest and late fees that I can not identify. I have already paid the entire balance, and these new charges feel like harassment. Despite paying everything on time, I continue to receive bills with increasing amounts every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft .....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: TN

Complaint narrative:
Experience credit reporting agency has refused to remove incorrect address information from my credit report after several contact attempts. Have provided them documentation that included my identification and utility bill with correct address on it. I attempting to remove this information to help reduce the chances of fraudulent activity on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: MS

Complaint narrative:
XXXX XXXX has violated my rights. they say multiple times they refuse to remove the inquiry on Equifax in regards to XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence to prove that they lied in their investigation and proves their willful noncompliance of federal law. I will submit evidence from XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
AFTER 697 DAYS SUDDENLY A CREDIT COMPANY SAYS I OWE XXXX XXXX {$520.00} BUT XXXX XXXX REFUSES TO PROVIDE A FINAL BILL MY CREDIT CARD COMPANY CONFIRMS MY LAST PAYMENT. I HAD TO CHANGE PROVIDERS WHEN I MOVED FROM XXXX TO XXXX AND I HAD TO PAY XXXX XXXX IN FULL WHICH I DID INORDER TO KEEP THE SAME PHONE NUMBER

Company response to consumer: Closed with explanation