vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
I checked my credit score today so as of XX/XX/22 it is XXXX. It went down XXXX pts because I decreased balance by {$390.00} and {$450.00} on two loans. I spoke to XXXX and her supervisor XXXX both said there was nothing I could do but hire a XXXX XXXX and there was no one I could talk to about this at Experian, no other supervisor or anyone about score decrease. XX/XX/22 went down XXXX pts when I decrease balance by {$51.00}. I'm confused, in the past and everything I have been taught is credit score is supposed to go up not down when I pay down creditors. Can you help please? I have another issue of my score going down XXXX pts ( on Experian & XXXX pts on XXXX ) for {$11.00} missed payment with XXXX. I have been with XXXX on this account XXXX months and have never missed a payment ( always pay in full ) even though I have NEVER received a statement from them. I called them and they said you are signed up for email billing, we verified email on acct and still I get nothing. I stopped email billing XXXX months ago and still have not received paper billing through the mail. Frustrating to say the least. Please help!! I am XXXX about keeping my credit good and score high. Thank you, XXXX XXXX XXXX After speaking with XXXX and XXXX now I can't get into my account and its now says I do not have an account

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 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 non-monetary relief
Consumer complaint received 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
First Wire Transfer Issue : {$58000.00} - Failed domestic transaction to XXXX / XXXX XXXX, " lost '' in HSBC 's system. 

At the end of 2021, I was on a tight deadline to buy pre-ipo shares of a company I had just left ( XXXX ). I ended up doing an XXXX transfer from my XXXX XXXX XXXX account, but sensing that it might not make it in time, I initiated a wire transfer from my HSBC account. XXXX made it through and paid for the shares. The HSBC wire never made it and has been in limbo ( not returned to my account ). 

Numerous calls with HSBC customer service have been dead ends. Responses range from " the money is on its way back '' to " it's the wire department 's issue '' ( who are notoriously hard to contact ) - to " contact the recipient. '' I recently spoke with the XXXX XXXX team, and their records indicate that only the wire from XXXX XXXX  XXXX made it through to their end. 

I will need this money soon and am reaching out in desperation and waiting, hoping it would eventually be returned to my account to no avail. 

To complicate it further, HSBC has transferred my account to XXXX XXXX. 

Second Wire Transfer Issue : Failed International Wire {$5700.00} Also at the end of 2021, I initiated an international transfer that got returned. Again, I asked HSBC to return the money to my account, but it remains, as far as I know, stuck in a wire transfer limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Got initial notice from XXXX XXXX saying there was a credit check done by Truist. then received a letter from Truist that this request was determined fraud and they closed the account. 
Account number that was created : XXXX Truist caught this was fraud and closed the account to protect 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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I flew from XXXX  to XXXX on the XXXX pm flight with Spirit Air. On this flight I was told that if I applied for a spirit master card and was approved one of the benefits I would receive would be a free carry on for all flights booked with the spirit master card. I was approved and as I went to book my flight learned that this benefit that was communicated to me but the spirit flight attendants on this flight was incorrect. I have spoken to ten different representatives across various departments and have been told each time that there is nothing that can be done. I now have a credit card that does not give me one of the benefits that was promised 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 2022-07-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
AFFIDAVIT OF DENIAL I, XXXX XXXX, Pursuant to 28 U.S.C. 1746, hereby declare as follows : I deny the debt alleged by XXXX XXXX XXXX  on account # XXXX in the amount of {$13000.00} is mine, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount alleged by XXXX XXXX XXXX  is the correct amount and if the amount is correct, I deny the charges were fair and reasonable. I declare under penalty of perjury that the information provided in the the document described is true and correct to the best of my knowledge. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: SC

Complaint narrative:
XXXX mailed certified letter to AmeriCollect requesting debt verification and all information requested in letter be sent, if available ( attached ). 

XXXX - AmeriCollect responded with original creditor 's bill and over half of information requested not available. Also, my legal name on their files are incorrect. 

XXXX - collection REMOVED from all credit reports. 
during this time and XXXX collection account was placed back on all reports. 

XXXX mailed another certified letter requesting complete documentation for a second time. All information requested in yellow was not provided the first time. This letter was received on XXXX at XXXX and I received a voicemail from them the same day at XXXX. ( ALL information attached ) XXXX I received a letter stating that my request was " frivolous and irrelevant. '' I have disputed this because they can not provide requested information and my name listed on the bills are not my legal name. They also continue to call daily, sometime twice a day or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: OH

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  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account 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 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 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 2022-07-08 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: GA

Complaint narrative:
US DEPT OF EDXXXX ACCOUNT XXXX XXXX XXXX TRANSUNION The above creditor and Credit Reporting Bureaus are in direct violation of my consumer rights.

The creditor and credit reporting bureaus is violating the CARES Act, signed into law on XX/XX/2020 and is reporting debt and debt balance on my credit profile. 

Creditor is reporting interest charges on debt. - This violates the CARES Act in which no interest on loan, default, or deferred may be added to original loan. 

XXXX and TranUnion is violation of FCRA Fair Credit Reporting Act 15 US Code 1681 and did NOT VERIFY disputes sent on XX/XX/2020 or UPDATE my Credit Report. ( Negligenct and Willful Noncompliance with the law ) and 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 authorize creditor nor Credit Reporting agency written permission to report my personal information.

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 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act U S Dept of EDXXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I was on a social media website and seen an ad for a XXXX XXXX  product it was offered to pay shipping only of {$6.00} to try the product. When I entered my credit card information into the system the page automatically cycled through added items to my cart of {$9.00} & {$39.00} and checked me out. I did not receive an order confirmation. I immediately called my credit card company MasterCard/Ulta and advise them what just happened. I told them that I wanted to cancel the charge that I felt like it was a fraudulent action and that I wasnt confident that I was dealing with a real company. Ulta advised me that the charges were still pending they couldnt see anything therefore they couldnt do anything and they had no number or info to provide me at that time. They advised me to call back after the charges cleared and that then they could help me dispute the charges. When I received my next statement there were more charges on my card for an additional amount of {$110.00} and {$110.00} dated XX/XX/XXXX from XXXX different companies XXXX of them being XXXX XXXX XXXX {$6.00}, {$39.00}, {$110.00} And the other being XXXX XXXX XXXX XXXX {$9.00}, {$110.00} I attempted several times to reach the merchant and request credit on my account that I was not happy with the service I did not receive any product and that I did not know who they were. I never got a order confirmation, I didnt even know who they were. At that point I realized online on my credit card company Ulta I was able to lock my card so I did, to prevent anymore unauthorized charges. When I spoke to someone they were short and rude with me said that I gave them my information and therefore I was being billed for it and since I blocked my card I would no longer get charges. I told them again I did not authorize the purchase, that I was not happy with the service, and that I didnt receive any product and I wanted a refund on my account immediately. Finally on XX/XX/XXXX a lady named XXXX with the collection company advised me that she did credit my account on XX/XX/XXXX for the full amount of {$290.00}. I asked her for a reference number and she gave me # XXXX told me to have a nice day and hung up on me. I have written to UltaXXXX several times and reported all this & called merchant multiple times. To date I still have not received a credit nor gotten resolution. Can not get resolved. Looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act U S Dept of EDXXXX Account 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.

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 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act U S Dept of ED/XXXX Account 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.

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 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
We Re-Financed our VA backed Mortgage Loan on XX/XX/2022 thru Meridian Bank in the XXXX $ XXXXwith a Fixed Rate of 3.125 % down from 3.75 % to lower our monthly payment from {$2400.00} monthly to {$2300.00}. 
That payment was set-up to include Principal payment of {$1700.00} Taxes of {$400.00} {$190.00} Hazard Insurance payment of for a total monthly payment principal and interest of {$2300.00} We recv'ed a letter in XXXX indicating that US Bank was now servicing our loan and that the payment total was now {$2500.00} monthly that is an increase of {$190.00} for something called a Shortage Spread. 
This is not something that we agreed to pay when we re-financed our home .Also, we never agreed to anything with US Bank especially something that would totally wipeout the gains we made when lowering our Int. rate from 3.75 % to 3.125 %. 
We checked with XXXX XXXX where our Home is located to find out/confirm that our Taxes have not gone up period. 
When I called US Bank to get an explanation I was told some generic answer from a call center person that ..those shortage projections are normal business practices. I logged into the US Bank acct. to pay the agreed upon amt of {$2300.00} only to find that I couldn't make that payment ..The only amt. I could pay online was the {$2500.00}. 

So, I mailed my payment of {$2300.00} ( cashier 's check ) along with the Mortgage Payment Coupon that I recv'ed when we closed on this VA Back Mortgage Loan in 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 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.

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 2022-07-08 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: TX

Complaint narrative:
Unauthorized and unrecognized inquiries on credit report.

Company response to consumer: Closed with explanation