vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. The Credit Reporting agencies stated the following were properly investigated but there was not a proper investigation done. That is ground for removal. 

Accounts XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$85000.00} 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1681 SECTION 611 ( 2 ) ( a ) STATES IF THE ITEMS ARE FOUND INACCURATE OR CAN NOT BE VERIFIED THE CONSUMER REPORTING SHALL PROMPTLY DELETE THE INFORMATION FROM THE FILE OF A 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 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
So Ive explained my financial situation multiple times. Its an issue Id like to resolve as soon as possible, but wont be able to resolve until XXXX. Ive explained this multiple times, they say theyre making a note of it, but the last time they said, You understand we have the right to keep calling you, right? 

Im all for resolving issues and rebuilding my credit, but it feels like theyre not listening to what Im saying and think that pestering me will make me come up with the money sooner, which it wont.

It feels like everything I said goes in one ear and out the other and the next person calls and the whole process starts over. 

Its annoying, intrusive and unwanted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I have wrote sallie Mae and sent them a letter ask them to release my co signer because I can afford to pay the loans off myself also since Im not in school no more I would like if they stop the payments until I can pay them off they also raised my payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I reported fraudulent activity that I noticed on my account to Chase bank and my claim was denied. 

Brief summary : I paid to park my car at a parking lot in XXXXXXXX XXXX at XXXX XXXX XXXX XXXX using my debt card. 

A few hours later I was called by the fraud department of my banking institution stating that there was illegal activity on my account and aksed me to confirm if the transactions were valid. During the call they texted me a verification number and my banks information was listed as the caller ID. I denied that validity of the charge as it occurred in a different state. During this process, I was relocating to another state with my family. We stopped thru several states on our way to our final destination and I was not closely monitoring my checking account due to driving. 

Upon arriving at our final destination, I noticed that there were XXXX fraudulent transactions that occurred on my account in total. XXXX transactions occurred at ATM machines, XXXX occurred online ( XXXX XXXX ) and XXXX occurring at a XXXX XXXX store in a state that I was not in. 

I submitted the amounts and details of the fraudulent activity to a online banking representative, received a partial refund, and was told my claim would be processed following an investigation. 

Several weeks later I received a letter stating that my claim was denied. This is grossly incorrect and I am taking all and every necessary step to report and reinvestigate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: WA

Complaint narrative:
I set up automatic payment with US Bank for my car loan. 
My online account to manage the online payment and visualize statements has had some technical issue since I have been a customer. 
Payments were not going through and I had no way to know as the portal was inaccessible. 
US bank charged me for a late fee and put a late payment on my credit. 
After talking with multiple US Bank representative, it was added in the notes that my account was not functioning properly, that I was not getting alerts for late payment and that the payment management portal was not working. 

The issue was resolved from a technical standpoint, my payment are not going through ( 5 payments all went at once ) and US Bank waived the late fees.

However US bank has not corrected my credit late payment, and I have now a credit score that is XXXX points lower than prior to the incident. 

I asked US Bank by mail to rectify the issue ( see attachment ), but they rejected my request.

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 2022-08-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm a victim of Identity Theft from Data Breaches with XXXX  XXXX and Equifax. My SSN was hacked and stolen and used for Unemployment Benefits in Kentucky. I also have open actual factual inaccuracies within my credit report. I have 5 accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus as a result of 15 USC 1681 ( b ) Permissible Purpose and falsely reporting inaccurate information, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 3 charge off accounts deleted across all XXXX credit bureaus for InaccuraciesXXXX XXXX XXXX XXXX XXXX XXXX 

I would like the following 2 collection accounts deleted immediately from all 3 credit bureaus for inaccurate Date of Last Activity, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 

The following inquiries are to be deleted immediately as I didn't authorize this, XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent Transunion and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately TRANSUNION and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-08-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
To Whom It May Concern, While checking my most recent XXXX and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: IN

Complaint narrative:
I've been a victim of Identity Theft on numerous occasions from Data Breaches of XXXX XXXX and XXXX. I also had my SSN hacked numerous times and used for Unemployment Benefits in Kentucky. I also have actual factual false reporting inaccuracies within my credit report. I have XXXX accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like the following 3 charge off accounts deleted for Inaccuracies XXXX XXXX, XXXX XXXX XXXX  I would like the following XXXX  collection accounts deleted immediately from all 3 credit bureaus for inaccurate Date of Last Activity, XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are to be deleted immediately from all 3 credit bureaus as I didn't authorize these transaction 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: PA

Complaint narrative:
I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I was receiving XXXX XXXX for a friend, he said they weren't fraudulent. 
XXXX of XXXX, all XXXX Payments were reversed for {$6500.00}.

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 2022-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from 7 different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently went to the car dealership to LOOK for a new car and without my permission, my credit was ran a ridiculous amount of times to a few companies. the date was XX/XX/XXXX that the Hard Inquiries were added. It was added from 7 different places. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. 

XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 

1. XXXX XXXX XXXX XXXX XXXX XXXX : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a zero balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 

2. Syncb/Walmart XXXX XXXX XXXX : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 

3. XXXX XXXX XXXX XXXX XXXX  : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 

4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Delete for inaccuracy, because actual payment amount is missing.

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 2022-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Month of XXXX, XXXXXXXX XXXX. Money was sent on behalf of a friend, after I toold him not too. Approximately {$4000.00}?

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 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity thief. Information on my report is incorrect.

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With XXXX they are not reporting that this is a medical bill. 

With XXXX XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With equifax they are reporting The status as unpaid when this should say closed With Equifax, XXXX XXXX XXXX is not reporting that the account is In Dispute With XXXX, XXXX XXXX XXXX are not listing this account as In Dispute With XXXX, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with XXXX the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With Equifax, XXXX data is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type!

And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With XXXX, XXXX data is reporting in the account type here collection when they have reported it closed on other Bureau reports! 
This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a online Citibank checking account and transferred {$51000.00} from my Sole proprietary account with my same name from XXXX XXXX XXXX on XX/XX/XXXX to this new checking account. I have a credit card relationship with Citibank so I linked both accounts and after the promotion I started paying down my credit card balance with this new account. I travel internationally quite often so i tried to set up a XXXX account to transfer some of my funds back to my XXXX XXXX XXXX account. My checking account access was blocked on or around XX/XX/XXXX with a balance of {$41000.00}. I visited the branch on XX/XX/XXXX and a bank employee called the fraud department on my behalf he was told account was under review and was also told my account is being closed and funds would be sent back within 60days. I have read soo many reports of funds not being returned I want to proactively solicit your help in getting my funds back. Thank you kindly

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 2022-08-20 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On my credit report on ( XX/XX/2022 ) states that my car note went up {$190.00} dollars! Ive contacted Ally Finance and they said that they dont see anything on my profile stating the increase. Ive been paying the same amount since I financed the car nothing has changed!

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On the XXXX of XX/XX/2022 I accidentally made a bill pay of XXXX to my bjs credit card instead of XXXX. When I discover the mistake I contacted Comenity bank which is the company that bjs credit is from. I kept getting all kinds of excuses I received two letters from them with a blank date on it from what date I would get my money, I am truly fed up and they need to be held accountable it's now XX/XX/XXXX XXXX and no money

Company response to consumer: Closed with monetary relief