vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 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: TN

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

15 US 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TN

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

15 US 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: MS

Complaint narrative:
Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : 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  and XXXX XXXX I have fraud accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all fraudulent accounts.

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 2022-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX card by Synchrony bank routinely ran my credit. I used the card for gas and made large payments to cover the gas every XXXX weeks. After some major car repairs earlier this year XXXX My other credit cards where used to pay my repairs. As a result my balances where high. So after a credit check in XXXX by Synchrony bank they determined my credit score was too low and closed the account. Over time I paid very little interest on this account since I was paying every 2 weeks. These unwarranted credit checking affect my score and closing my account certainly affected my credit again.

Now I am forced to pay interest on a closed account. I asked for interest free payments but they cant do anything until my account is past due ( another potential hit on my credit. This is malicious predatory behavior. Please help

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 2022-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am 100 % certain I qualify for total discharge of my student loans with this agency. Regarding the Navient Multi-State Settlement. According to the attorneys general, the interest that accrued because of Navients forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. I obtained my loan of {$7500.00} XX/XX/XXXX, 14 years ago. I have always been placed into a forbearance. Now because of all the capitalized interest my balance is {$17000.00}. I meet all the forbearance eligibility criteria for federal loan forbearance steering. Now Navient has is refusing to acknowledge this or look into it and states as of XX/XX/XXXX I have to start paying back this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance to my rights of privacy 15 usc 1681 section 602h along with 1681 section 604a section 2. I want all addresses listed on my credit report removed. I have attatched two files that reflect the correct name, correct spelling, correct address. This is the only information on myself that i want present.

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 2022-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
I went to the bank on XX/XX/XXXX to make a withdrawal of {$200.00} and the teller tells me that I only had {$230.00} available. Before that, the last time I had went to the bank was on ( XX/XX/XXXX when I had made a withdrawal of {$300.00} and I had a remaining balance of {$1000.00}. They claim that I had went to the bank on XX/XX/XXXX and made a withdrawal of {$800.00}. I argued with them that that was not correct. I have a book that they stamp every time I make withdrawals or deposits and they did not stamp by book where they were supposed to when they claim I made that withdrawal. They told me that the teller made a mistake on that day ( XX/XX/XXXX ) and stamped it over another date at the beginning of my book. They proceeded to show me where the teller stamped it ; and it was over another date. If you look at my book where they stamped it, it's very confusing and I also noticed that they changed the numbers by handwriting over them. I did not get anywhere with them. One of the tellers even told me that I had not been to their bank in a long time and maybe I don't remember. They took my {$800.00}. I am XXXX XXXX XXXX and I do not have XXXX nor XXXX, and I am good with numbers. I never went to the bank on that day to withdraw {$800.00}. I get my XXXX check every first of the month and it covers all of my bills ; I didn't have a need to go into my XXXX XXXX XXXX account to withdraw any money. Please help me. I am a 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 2022-06-16 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: MI

Complaint narrative:
on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: MI

Complaint narrative:
on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had an agreement with Bank of America over the phone, they have recorded the conversation as well as I did ( this happen by the end of last month ) then on XX/XX/XXXX I got a letter where they state they were closing my credit card account ending in XXXX as a result of this agreement but that wasn't part of the agreement and I don't want my account to be closed, I had made a payment according to the agreement and then they withdraw the same amount, I was very specific about letting the agent ( a woman ) about not duplicating withdraws but they did, Note : the agent was the most professional and polite person from Bank of America in recent years but still they mistakes about withdrawing were done and closing account wasn't mention on that conversation. 

I am requesting please do not close my account I prefer to decline on your offer than affecting my credit even though I don't even have a social security number your balance will be paid as agreed or in full and please return the duplicated withdrawal. 

Bank of America account : XXXX Letter and transaction details are included in this complaint.

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 2022-06-16 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: MS

Complaint narrative:
Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : 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  Please remove all fraudulent accounts.

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 2022-06-16 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: MS

Complaint narrative:
Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : 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 Please remove all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Credit card type, American Express Transaction Date : XX/XX/2022 Merchant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  Amount : {$3600.00} I have already opened a dispute with American Express, which they denied. I then appealed their denial which they also denied. They stated that I should try and work this out with the vendor or if that is not possible with a tort claim. 

This vendor advertised and promised to provide a medical XXXX XXXX solution that would be safe, FDA approved and would include a lifetime supply of their medication. The product they delivered to me is not only unsafe and unusable but is also dangerous. 

On XX/XX/2022 XXXX XXXX XXXX XXXX administered an elective medical treatment to me in their offices. This treatment caused me to have a severe medical reaction that resulted in a medical emergency. The medical emergency was so acute that XXXX XXXX XXXX XXXX own doctor, XXXX XXXX XXXX, personally called XXXX to report the emergency and request an ambulance since I was unconscious and could not be revived. 
XXXX XXXX XXXX XXXX then sent their first shipment to me and informed me that they had altered the mix and concentration of their product. I then, perhaps foolishly, took their treatment for a second time. I then suffered another severe medical event. Luckily this time I was able to quickly lie down and did not lose consciousness. 
I then informed XXXX XXXX XXXX by text message that his treatment again caused severe medical distress and I would not be able to use XXXX XXXX XXXX XXXX product as I could not risk my health by taking medication that was obviously unsafe and could cause me to be hospitalized or worst. I also would like to point out that at this time I acknowledged to XXXX XXXX XXXX XXXX I would be willing to pay for the services received up to that point. This included the office visit which was listed at {$190.00} and the first shipment of what was to be a lifetime supply of medication. I do not know the cost of this shipment but would guess it also was a XXXX XXXX XXXXXXXX dollars at most since it was only the first one of a lifetime supply. XXXX XXXX XXXX XXXX never responded to me on this offer. 
XXXX XXXX XXXX XXXX did respond concerning my inability to use their medication and their proposed solution was for me to take their unsafe and dangerous medication a third time. 

I also want to point out that XXXX XXXX XXXX XXXX is a franchise location of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. The medication is supplied by this home office and shipped to the customers that XXXX XXXX XXXX XXXX signs up. XXXX XXXX XXXX XXXX receives {$1200.00} for each new customer and the balance of the fee goes to XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
BMW Financial took my car in 2014 and they continue to damage and report old information on my credit report way past the 7 year laws. I need for them to remove all information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As you can see in the attachments, XXXX settled a XXXX XXXX XXXX XXXX XXXX in 2020. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this. XXXX has already complied with decision and has removed the account from 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 2022-06-16 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: Experian Information Solutions 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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On XX/XX/2022 I purchased a sofa and recliner from XXXX XXXX XXXX through a leased to own company called Acima. 
I received the sofa on XX/XX/2022 the recliner was on back order and to be delivered by XX/XX/2022. 
Acima offers a 90 day same as cash option for lease items, I paid my lease on XX/XX/2022 well within the 90 days. I did not receive my recliner the furniture store kept pushing the delivery date out further than expected so I decided I did not want the recliner due to it not being delivered in reasonable amount of time as promised. 

I contacted Acima on XX/XX/2022 to request a refund for the recliner the customer service rep. told me it was out of their hands since the lease was paid and closed, and referred me back to furniture store. I contacted my credit card compony on XX/XX/2022 and filed a dispute for {$890.00} for the recline I did not receive. I contacted the furniture store on XX/XX/2022 and informed the of the I wanted a refund for the recliner they agreed. 
On XX/XX/2022 XXXX refunded my total final payment of XXXX I did not ask for nor did I dispute that amount. 
Now Acima has reopened without my consent, the lease that I paid in full over a month ago and trying to say the account is in collection.

Company response to consumer: Closed with explanation