vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I used an online system to close my Belk credit card account. There was not an issue with them closing my credit card account, but I discovered later in the day that they had run a hard report on my credit while I was attempting to close my account! This lowered my credit score because of the number of times my credit had been pulled in the last 3 months. Why did Belk ( Synchrony XXXX XXXX ) pull a hard credit report against me for closing my account with them? Even with this event, my credit score is exceptional at XXXX, but it was even higher prior to them hurting my credit for absolutely no reason.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX  I got a loan through XXXX XXXX XXXX XXXX. The loan was paid off by the insurance company and gap paid the remainder. However, the company is claiming that they need an additional {$490.00} I don't know why but I disputed the account with all 3 credit bureaus and its still reporting on my credit as charged off. 

If the company claim that the account is charged off then Im requesting a 1099c that this debt according to the IRS is cancelled and needs to have all 3 credit bureau aware of this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX  I got a loan through XXXX XXXX XXXX XXXX. The loan was paid off by the insurance company and gap paid the remainder. However, the company is claiming that they need an additional {$490.00} I don't know why but I disputed the account with all 3 credit bureaus and its still reporting on my credit as charged off. 

If the company claim that the account is charged off then Im requesting a 1099c that this debt according to the IRS is cancelled and needs to have all 3 credit bureau aware of this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX  I got a loan through XXXX XXXX XXXX XXXX. The loan was paid off by the insurance company and gap paid the remainder. However, the company is claiming that they need an additional {$490.00} I don't know why but I disputed the account with all 3 credit bureaus and its still reporting on my credit as charged off. 

If the company claim that the account is charged off then Im requesting a 1099c that this debt according to the IRS is cancelled and needs to have all 3 credit bureau aware of this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
The collection company in question put a collection account on my credit report from XXXX XXXX i told XXXX  this was a fraudulent account they did nothing someone got my e mail address and social and opened an account in my name. this is a fraudulent account and a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had to go into bank of America 3 times to verify and they still froze my account and canceled my card. I had to wait 7 days for the new card and I was able to use it 1 time then they froze it again. Even though I responded to the text message verified it was me and received a text message saying my card was good to go again it still won't work. They are going to make me come in and verify again and probably order a new card. There is no reason for this I'm not doing anything suspicious. They just want to keep my money from me. I'm homeless and had a place to rent set up. They canceled my card and I lost the place. Someone else rented it and I'm still on the streets freezing, wet and hungry.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I have not been receiving monthly statements for my student loans. I also have been trying to make an online payment for over two weeks and I am able to log in but then none of the buttons work. I also tried another browser. In XXXX there was a banner that the site would be down for maintenance on XX/XX/XXXX and XXXX. I tried again on XX/XX/XXXX and still could not get in. I tried against last weekend and again today. I then had to search the internet for a contact number. I waited for a long time and still was not able to speak to a person. I did pay my overdue balance by phone, but I have no idea if I was charged a late fee because ( 1 ) I can not see my account online anymore ( which is where I have been making payments for over a decade ) and ( 2 ) I am not getting statements. I have never had issues like this with Nelnet in the past, but I find it unacceptable if I get a late charge when they are failing. 

Next, my loan payments are not even covering the amount of interest accruing each month, which makes no sense to me because Nelnet tells me the amount to pay. I have been paying my loans since XXXX  and somehow still over over half of what I borrowed. I even made payments during the pandemic. I do not understand how my balance continues to go up when I have paid over {$40000.00} in principal. I feel there have been long standing issues with my payment application, but I can not access all of my information to even do any analysis. 

Additionally, I can also not access my tax forms since the website has not been working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reporting agency reporting information from an organization ( XXXX XXXX XXXX XXXX ) that I have no legal or contractual obligation with. Falsely reporting without consent of consumer. Organization not licensed to report in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Reporting agency reporting information from an organization ( XXXX XXXX XXXX XXXX ) that I have no legal or contractual obligation with. Falsely reporting without consent of consumer. Organization not licensed to report in Georgia.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The account for XXXX XXXX XXXX # XXXX, has been disputed several times with XXXX, equifax and XXXX  and is old information and still remains on my credit report with all three credit bureaus. this account has been closed for over 7 years and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
The account for XXXX XXXX XXXX # XXXX, has been disputed several times with XXXX, XXXX and experian and is old information and still remains on my credit report with all three credit bureaus. this account has been closed for over 7 years and needs to be removed from 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I filed a dispute with chase on XXXX regarding a duplicate transaction posting to my account. I received a denial letter stating XXXX provided proof that the transaction is valid. I requested information to prove this info. I never received this information. I was told by XXXX because this is person to person I can not dispute it. I asked Chase to look into this, I was not given a complete answer as to how the investigation was not in my favor. I was not given any documentation to prove that the charge was valid. I was not allowed to dispute the second transaction as fraud or as being not authorized. I am very frustrated because i was told I authorized the two transactions per my messages, it only shows ONE charge of {$30.00} being sent to an individual. I have been told because it was proved by the other company that I had to agree to make the payment ( s ) my dispute was denied. I have already attested that I use XXXX XXXX before submitting the transaction. It is impossible for me to submit two transactions at that same time. Meaning, it is impossible to confirm two transactions within the same minute. I have already stated I would have simply sent the invidual {$60.00} instead of the {$30.00}. I plan to pursue this in court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I have requested a change of address several times and they keep asking me to take a selfie holding a note with my account information. The photograph must meet their strict guidelines. I am a XXXX XXXX  citizen and can not provide the detailed photograph requested. I have provided them with a copy of my drivers license per their requested and have asked them to accept some other kind of verification documentation. They are unresponsive. The address they have on file is the original one when I opened the account. I have moved several times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
My car was a total loss in XX/XX/XXXX, my insurance paid out over XXXX the check was cashed and showed in the Bridgecrest app as a payment onXX/XX/XXXX, my gap insurance also sent payment that was cashed by Bridgecrest on XX/XX/scrub>XX/XX/XXXX, these check coupled with the car payments I was still making totaled more then what I owed for the car, the car has now been paid for plus some, yet its XX/XX/XXXX and Bridgecrest has reversed payments on my account and is showing a balance owed from when I first bought the car. What have they done with all my payments? Why am I being charged payment reversal fees when I never reversed any payments? Where did all the money go? When I call and ask they tell me they have my money and they need more time to process things and that Im to keep making payments, I dont understood how this is legal? They cashed the insurance checks? Am I being scammed?

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 2024-02-02 00:00:00
Product: Credit reporting 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: NJ

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. 

I TOLD EXPERIAN, XXXX, AND XXXX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT! 
15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS RESONABLE CAUSE TO BELIEVE 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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